Systems and methods for utilizing machine-assisted vehicle inspection to identify insurance buildup or fraud
A remotely-controlled (RC) and/or autonomously operated inspection device, such as a ground vehicle or drone, may capture one or more sets of imaging data indicative of at least a portion of an automotive vehicle, such as all or a portion of the undercarriage. The one or more sets of imaging data may be analyzed based upon data indicative of at least one of vehicle damage or a vehicle defect being shown in the one or more sets of imaging data. Based upon the analyzing of the one or more sets of imaging data, damage to the vehicle or a defect of the vehicle may be identified. The identified damage or defect may be compared to a claimed damage or defect to determine whether the claimed damage or defect occurred.
1. A computer-implemented method comprising:
receiving, via at least one of one or more processors or one or more transceivers, an indication of an insurance claim associated with a reported a damage to a vehicle;
receiving, via at least one of the one or more processors or one or more transceivers, one or more sets of imaging data captured by an imaging unit of an inspection device that is at least one of autonomously operated or remotely-controlled, the one or more sets of imaging data being indicative of at least a portion of the vehicle;
analyzing, via the one or more processors, the one or more sets of imaging data to identify at least one of damage to the vehicle or a defect of the vehicle;
analyzing, via the one or more processors, the identified at least one of the damage to the vehicle or the defect of the vehicle with respect to the reported damage to determine whether the reported damage to the vehicle is accurate;
in response to determining that the reported damage to the vehicle is accurate, processing, via the one or more processors, the insurance claim; and
transmitting, via at least one of the one or more processors or the one or more transceivers, to at least one of a mobile device of an owner of the vehicle or a mobile device of an insurance representative, an indication of the identified at least one of the damage or the defect.
2. The computer-implemented method of claim 1 , wherein the inspection device is a ground inspection device that is at least one of autonomously operated or remotely-controlled.
3. The computer-implemented method of claim 1 , wherein the inspection device is an airborne inspection device that is at least one of autonomously operated or remotely-controlled.
4. The computer-implemented method of claim 1 , wherein the identified at least one of the damage or the defect includes at least one of a damaged vehicle part or a defective vehicle part.
5. The computer-implemented method of claim 4 , further comprising scheduling, via the one or more processors, at least one of a maintenance, a repair, or a replacement of the at least one of the damaged vehicle part or the defective vehicle part.
6. The computer-implemented method of claim 4 , further comprising identifying, via the one or more processors, a replacement part for replacing the at least one of the damaged vehicle part or the defective vehicle part.
7. The computer-implemented method of claim 6 , further comprising initiating, via the one or more processors, an order of the replacement part for replacing the at least one of the damaged vehicle part or the defective vehicle part.
8. The computer-implemented method of claim 1 , wherein the identified at least one of the damage or the defect includes an improper wheel alignment.
9. The computer-implemented method of claim 8 , further comprising scheduling, via the one or more processors, a maintenance for correcting the improper wheel alignment.
10. A computer system comprising:
one or more processors; and
one or more memories storing computer-executable instructions that, when executed by the one or more processors, cause the computer system to:
receive, via at least one of the one or more processors or one or more transceivers, an indication of an insurance claim associated with a reported damage to a vehicle;
receive, via at least one of the one or more processors or one or more transceivers, one or more sets of imaging data captured by an imaging unit of an inspection device that is at least one of autonomously operated or remotely-controlled, the one or more sets of imaging data being indicative of at least a portion of the vehicle;
analyze, via the one or more processors, the one or more sets of imaging data to identify at least one of damage to the vehicle or a defect of the vehicle;
analyze, via the one or more processors, the identified at least one of the damage to the vehicle or the defect of the vehicle with respect to the reported damage to determine whether the reported damage to the vehicle is accurate;
in response to determining that the reported damage to the vehicle is accurate, process, via the one or more processors, the insurance claim; and
transmit, via at least one of the one or more processors or the one or more transceivers, to at least one of a mobile device of an owner of the vehicle or a mobile device of an insurance representative, an indication of the identified at least one of the damage or the defect.
11. The computer system of claim 10 , wherein the one or more sets of imaging data include one or more sets of thermal imaging data.
12. The computer system of claim 10 , wherein the one or more sets of imaging data include one or more sets of lidar imaging data.
13. The computer system of claim 10 , wherein the one or more sets of imaging data include one or more sets of imaging data captured using a wide-angle camera lens of the imaging unit.
14. The computer system of claim 10 , wherein the computer system is further configured to generate, via the one or more processors, one or more terms of an insurance policy based upon the identified at least one of the damage or the defect.
15. The computer system of claim 10 , wherein the computer system is further configured to modify, via the one or more processors, based upon the identified at least one of the damage or the defect, an insurance policy of a party associated with the vehicle.
16. The computer-implemented method of claim 15 , wherein modifying the insurance policy includes modifying at least one of a premium, a coverage limit, or a deductible.
17. The computer system of claim 10 , wherein the computer system is further configured to estimate, via the one or more processors, a monetary cost of at least one of a maintenance, a service, or a repair for correcting the identified at least one of the damage or the defect.
18. The computer system of claim 10 , wherein, to analyze the one or more sets of imaging data, the computer system is configured to:
compare, via the one or more processors, the one or more sets of imaging data to one or more reference sets of imaging data indicative of at least one of vehicle damages or vehicle defects of one or more reference vehicles;
determine, via the one or more processors, a similarity between at least one of the one or more sets of imaging data and at least one of the one or more reference sets of imaging data,
wherein identifying the at least one of the damage to the vehicle or the defect of the vehicle includes identifying the at least one of the damage to the vehicle or the defect of the vehicle based upon at least one of a known damage or a known defect of one of the one or more reference vehicles indicated by the at least one of the one or more sets of imaging data.