公开(公告)号：US20210027387A1

公开(公告)日：2021-01-28

申请号：US16949099

申请日：2020-10-13

Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

Inventor： John Westhues ,  Leann Dionesotes ,  David Ruby ,  John Dillard

IPC: G06Q40/08 ,  G06N20/00 ,  G07C5/08

Abstract: A method of determining an injury segment includes training a machine learning model, receiving a loss report, analyzing the loss report using the trained model to determine a severity of an injury, determining, based on the severity of the injury, an injury segment, and storing, via a processor, an indication of the injury segment. A computer system includes a processor configured to train a machine learning model, receive a loss report, analyze the loss report using the trained model to determine the severity of an injury, determine an injury segment, and store an indication of the injury segment. A non-transitory computer readable medium containing program instructions that when executed cause a computer to train a machine learning model, receive a loss report, analyze the loss report using the trained model to determine the severity of an injury, determine an injury segment, and store an indication of the injury segment.

公开(公告)号：US20240378221A1

公开(公告)日：2024-11-14

申请号：US18649523

申请日：2024-04-29

Applicant: State Farm Mutual Automobile Insurance Company

Inventor： John Westhues ,  Dustin Meyer ,  Dan Boser ,  Dee Engel

IPC: G06F16/28 ,  G06F16/25 ,  G06F16/29

Abstract: Techniques described herein relate to clustering team data and providing the resulting cluster information as a service. The cluster information provided as a service can be efficiently incorporated into tools and services of utility for the teams from which the team data is gathered.

公开(公告)号：US11361384B1

公开(公告)日：2022-06-14

申请号：US16411555

申请日：2019-05-14

Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

Inventor： John Westhues ,  Leann Dionesotes ,  David Ruby ,  John Dillard

IPC: G06Q40/08 ,  G06Q30/00

Abstract: Systems and methods are disclosed with respect to providing seamless customer experience transactions, in particular, linking disparate systems to facilitate a lower friction customer experience. An exemplary embodiment includes receiving recorded data from one or more connected devices at a geographic location; analyzing the recorded data, wherein analyzing the recorded data includes determining that an collision has occurred involving one or more vehicles; generating a transaction including the data indicative of the collision based upon the analysis; and transmitting the transaction to at least one other participant in the distributed ledger network.

公开(公告)号：US10832347B1

公开(公告)日：2020-11-10

申请号：US16411539

申请日：2019-05-14

Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

Inventor： John Westhues ,  Leann Dionesotes ,  David Ruby ,  John Dillard

IPC: G06Q40/08 ,  G06N20/00 ,  G07C5/08

Abstract: A method of assigning and/or routing an auto claim to an appropriate claim handling tier to mitigate delay may include training a machine learning model using historical claim data to determine a severity corresponding to an injury claim, receiving a loss report corresponding to an auto accident, analyzing the loss report using the trained machine learning model to determine the severity of at least one injury corresponding to the loss report, determining an injury segment, and storing the indication of the injury segment in association with the loss report.

公开(公告)号：US12190388B2

公开(公告)日：2025-01-07

申请号：US18196903

申请日：2023-05-12

Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

Inventor： John Westhues ,  Leann Dionesotes ,  David Ruby ,  John Dillard

IPC: G06Q40/00 ,  G06N20/00 ,  G06Q30/0645 ,  G06Q40/08

Abstract: A method for providing smart auto rental estimatics to a user includes training a machine learning model to predict repair information, receiving a report, analyzing the report to identify a coverage, determining a vendor, receiving a chosen vendor, determining a branch, receiving a chosen branch, analyzing the report and a volume data using the trained machine learning model to determine loss information, calculating out-of-pockets, and transmitting the out-of-pockets to the user.

公开(公告)号：US20240370937A1

公开(公告)日：2024-11-07

申请号：US18773136

申请日：2024-07-15

Applicant: State Farm Mutual Automobile Insurance Company

Inventor： Carlee A. Clymer ,  Gary Foreman ,  Ronald R. Duehr ,  Denson Smith ,  Vincent M. Hummel ,  Bradley J. Walder ,  Chad Mychal Hirst ,  Justin Devore ,  Shane Tomlinson ,  David A. Pluimer ,  Pavan Kumar Bhagavatula ,  John Westhues ,  Tracey Leigh Knorr ,  Erin E. Miller ,  Joshua T. Monk ,  Aaron Ames ,  John G. McConkey ,  Michael Cicilio Fresquez ,  Himanshu Chhita ,  Jason Beckman ,  Douglas A. Graff ,  Michele Wittman ,  Alexis Cates ,  Stephen Young ,  Rajesh Panicker ,  Yohan Santos ,  Stephen Wilson ,  Carrie A. Read ,  Michael Brown ,  Robin A. Rose

IPC: G06Q40/08 ,  G06N7/01 ,  G07C5/08

Abstract: A method of identifying a vehicle total loss claim includes retrieving a plurality of historical vehicle records, labeling the records as repaired or total loss, calculating mean cost values, training a regression model, optimizing a probability threshold, analyzing a plurality of inputs to generate a prediction, and transmitting the prediction. A computing system includes a transceiver; a processor; and a memory storing instructions that, when executed by the processor, cause the computing system to receive answers, transmit the answers, receive a prediction, when the prediction is repairable, generate a repair suggestion, and when the prediction is total loss, generate a settlement offer. A non-transitory computer readable medium containing program instructions that when executed, cause a computer to receive answers, transmit the answers, receive a prediction, when the prediction is repairable, generate a repair suggestion, and when prediction is total loss, generate a settlement offer.

公开(公告)号：US12045893B2

公开(公告)日：2024-07-23

申请号：US18091702

申请日：2022-12-30

Applicant: State Farm Mutual Automobile Insurance Company

Inventor： Carlee A. Clymer ,  Gary Foreman ,  Ronald R. Duehr ,  Denson Smith ,  Vincent M. Hummel ,  Bradley J Walder ,  Chad Mychal Hirst ,  Justin Devore ,  Shane Tomlinson ,  David A Pluimer ,  Pavan Kumar Bhagavatula ,  John Westhues ,  Tracey Leigh Knorr ,  Erin E. Miller ,  Joshua T. Monk ,  Aaron Ames ,  John G. McConkey ,  Michael Cicilio Fresquez ,  Himanshu Chhita ,  Jason Beckman ,  Douglas A. Graff ,  Michele Wittman ,  Alexis Cates ,  Stephen Young ,  Rajesh Panicker ,  Yohan Santos ,  Stephen Wilson ,  Carrie A Read ,  Michael Brown ,  Robin A Rose

IPC: G06Q40/00 ,  G06N7/01 ,  G06Q40/08 ,  G07C5/08

CPC classification number: G06Q40/08 ,  G06N7/01 ,  G07C5/0808 ,  G07C5/0841

Abstract: A method of identifying a vehicle total loss claim includes retrieving a plurality of historical vehicle records, labeling the records as repaired or total loss, calculating mean cost values, training a regression model, optimizing a probability threshold, analyzing a plurality of inputs to generate a prediction, and transmitting the prediction. A computing system includes a transceiver; a processor; and a memory storing instructions that, when executed by the processor, cause the computing system to receive answers, transmit the answers, receive a prediction, when the prediction is repairable, generate a repair suggestion, and when the prediction is total loss, generate a settlement offer. A non-transitory computer readable medium containing program instructions that when executed, cause a computer to receive answers, transmit the answers, receive a prediction, when the prediction is repairable, generate a repair suggestion, and when prediction is total loss, generate a settlement offer.

公开(公告)号：US11574366B1

公开(公告)日：2023-02-07

申请号：US16593355

申请日：2019-10-04

Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

Inventor： Carlee A. Clymer ,  Gary Foreman ,  Ronald R. Duehr ,  Denson Smith ,  Vincent M. Hummel ,  Bradley J. Walder ,  Chad Mychal Hirst ,  Justin Devore ,  Shane Tomlinson ,  David A. Pluimer ,  Pavan Bhagavatula ,  John Westhues ,  Tracey Leigh Knorr ,  Erin E. Miller ,  Joshua T. Monk ,  Aaron Ames ,  John G. McConkey ,  Michael Cicilio Fresquez ,  Himanshu Chhita ,  Jason Beckman ,  Douglas A. Graff ,  Michele Wittman ,  Alexis Danielle Cates ,  Stephen Young ,  Rajesh Panicker ,  Yohan Santos ,  Stephen Wilson ,  Carrie A. Read ,  Michael Brown ,  Robin A. Rose

IPC: G06Q40/08 ,  G07C5/08 ,  G06N7/00

Abstract: A method of identifying a vehicle total loss claim includes retrieving a plurality of historical vehicle records, labeling the records as repaired or total loss, calculating mean cost values, training a regression model, optimizing a probability threshold, analyzing a plurality of inputs to generate a prediction, and transmitting the prediction. A computing system includes a transceiver; a processor; and a memory storing instructions that, when executed by the processor, cause the computing system to receive answers, transmit the answers, receive a prediction, when the prediction is repairable, generate a repair suggestion, and when the prediction is total loss, generate a settlement offer. A non-transitory computer readable medium containing program instructions that when executed, cause a computer to receive answers, transmit the answers, receive a prediction, when the prediction is repairable, generate a repair suggestion, and when prediction is total loss, generate a settlement offer.

公开(公告)号：US20250095078A1

公开(公告)日：2025-03-20

申请号：US18962872

申请日：2024-11-27

Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

Inventor： John Westhues ,  Leann Dionesotes ,  David Ruby ,  John Dillard

IPC: G06Q40/08 ,  G06N20/00 ,  G06Q30/0645

Abstract: A method for providing smart auto rental estimatics to a user includes: training a machine learning model including a plurality of training parameters; receiving an auto loss report; extracting machine learning parameters from the auto loss report; analyzing, using the machine learning model, the machine learning parameters and volume data to determine at least one of (i) a loss time to repair and (ii) a loss cost to repair, the volume data corresponding to real-time information pertaining to claim volume and/or shop volume, and the loss time to repair indicating a wait time the user is predicted to require a rental vehicle; and outputting, by the machine learning model, the at least one of (i) the loss time to repair and (ii) the loss cost to repair.

公开(公告)号：US12165211B2

公开(公告)日：2024-12-10

申请号：US17878810

申请日：2022-08-01

Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

Inventor： John Westhues ,  Leann Dionesotes ,  David Ruby ,  John Dillard

IPC: G06Q40/08 ,  G06N20/00 ,  G07C5/08

Abstract: A method of determining an injury segment includes receiving a loss report, analyzing the loss report using a trained model to determine a severity of an injury, determining, based on the severity of the injury, an injury segment, and storing, via a processor, an indication of the injury segment. A computer system includes a processor configured to receive a loss report, analyze the loss report using a trained model to determine the severity of an injury, determine an injury segment, and store an indication of the injury segment. A non-transitory computer readable medium containing program instructions that when executed cause a computer to receive a loss report, analyze the loss report using a trained model to determine the severity of an injury, determine an injury segment, and store an indication of the injury segment.