Visual assist for insurance facilitation processes
A wearable communication device that is selectively configured to assist in the implementation of insurance claims processing. The device is capable of voice-activated or touch-activated insurance claim processing instructions and assisting the user in implementing insurance processing function such as damage appraisals and the like.
1. A wearable communications device, in the form of eyeglasses, configured to be worn by a claim adjuster, comprising:
a display screen;
a digital camera;
a microphone;
a geolocation sensor; and
a processor coupled to the display screen, the digital camera and the microphone, the processor programmed to:
display, in the display screen, an appointment for the claim adjuster to attend to, wherein the display screen displays a vehicle accident report and a location of the vehicle accident as part of the appointment;
receive a first voice instruction, as detected by the microphone, from the claim adjuster requesting a direction to the vehicle accident;
display in the display screen the direction to the vehicle accident in response to the first voice instruction;
receive a second voice instruction, as detected by the microphone, from the claim adjuster to start a new insurance claim;
display in the display screen an application for starting the insurance claim in response to the second voice instruction;
display in the display screen an instruction to the claim adjuster to scan a vehicle identification number;
display in the display screen a scan window to scan the vehicle identification number with the digital camera;
scan the vehicle identification number with the digital camera;
display in the display screen a request for confirmation of make and model of the vehicle;
receive a response to the request for confirmation from the claim adjuster;
display in the display screen an instruction to the claim adjuster to take a photo of the vehicle;
display in the display screen a scan window to take the photo of the vehicle by the digital camera;
receive a third voice instruction, as detected by the microphone, from the claim adjuster to take the photo;
take the photo of the vehicle using the digital camera after receiving the third voice instruction;
display in the display screen an instruction to the claim adjuster to describe a condition of the vehicle;
receive a fourth voice instruction, as detected by the microphone, from the claim adjuster describing the condition of the vehicle;
transcribe the fourth voice instruction;
store the transcribed fourth voice instruction to a memory;
prompt the claim adjuster in the display screen to ask an insurance policyholder a plurality of questions to identify the policyholder;
prompt the claim adjuster in the display screen to obtain from the policyholder information of an accident involving the vehicle insured by the policyholder;
prompt the claim adjuster in the display screen to capture at least one of video and audio interviews of an eyewitness to the accident;
determine geolocation information of the accident based on the geolocation sensor;
map the geolocation information with the scene of the accident;
store the visual information of the vehicle and the scene with the geolocation information to the memory;
wirelessly transmit data stored in the memory to a remote server via a wireless communication protocol;
receive from the remote server a recommendation of the insurance claim; and
display a list of vendors in the display screen based on the insurance claim.
2. The device of claim 1 wherein the wearable communication device is further configured to have an appearance of eyeglasses,
wherein the display screen displays a dynamic user interface disposed within the claim adjuster's field of vision.
3. The device of claim 1 wherein the wearable communication device is in the form of a wrist watch.
4. The device of claim 1 wherein the digital camera is configured to capture at least bar code data.
5. The device of claim 1 wherein the processor operates to collect data related to an automobile insurance policy.
6. The device of claim 1 wherein the processor comprises instructions to obtain location data of the accident.
7. The device of claim 1 wherein the processor comprises instructions to the claim adjuster to provide identification of the policyholder.
8. The device of claim 1 wherein the processor comprises instructions to the claim adjuster to provide information about the mental state of the driver involved in the accident.
9. The device of claim 8 wherein the processor comprises instructions to provide an audio or video recording of a statement from the eyewitness.
10. The device of claim 1 wherein the processor comprises instructions to the claim adjuster to provide information about an automobile accident.