Automobile monitoring systems and methods for detecting damage and other conditions
A method of determining damage to property includes inputting historical data into a machine learning model to identify an insured type, features, and/or characteristics. The method may include identifying a peril, repair and/or replacement cost of the vehicle by analyzing a digital image from a device of an insured, the digital image depicting damage to the vehicle. The method may include inputting the digital image into the trained machine learning model to identify a type, feature, and/or characteristic of the vehicle, and may include identifying a peril, repair, and/or replacement cost associated with the vehicle. A method may include receiving and/or retrieving free-form text associated with an insurance claim and/or a vehicle, identifying at least one key word composing the free-form text, and determining based on the at least one key word a cause of loss and/or peril that caused damage to the vehicle.
1. A computer system comprising one or more processors, sensors, transceivers, and/or servers, the computer system configured to:
receive or retrieve free-form text associated with a submitted insurance claim for a damaged insured vehicle;
identify one or more key words composing the free-form text using a natural language processing model;
input the identified one or more key words to a trained machine learning model;
generate one or more labels by the trained machine learning model based on the one or more key words;
assign one or more label weights by the trained machine learning model, each label weight of the one or more label weights being associated with a label of the one or more labels, a first label weight associated with a first label being increased based at least in part upon a second label being included in the one or more labels; and
based upon the one or more labels and the one or more label weights, determine a cause of loss that caused damage to the damaged insured vehicle to facilitate handling an insurance claim.
2. The computer system of claim 1 , wherein the free-form text is associated with one or both of (i) a webpage or website accessed by a customer or insurance agent, and (ii) an intranet page accessed by a call center representative.
3. The computer system of claim 1 , wherein the computer system is further configured to: input a type of the damaged insured vehicle to the trained machined learning model to generate the one or more labels.
4. The computer system of claim 1 , wherein the trained machine learning algorithm model is configured to dynamically update a set of key words associated with the cause of loss.
5. The computer system of claim 1 , wherein the computer system is further configured to: determine the cause of loss using the trained machine learning model based at least in part upon a type of the damaged insured vehicle.
6. The computer system of claim 1 , wherein the machine learning model is dynamically or continuously updated or trained to dynamically update a set of causes of loss.
7. The computer system of claim 1 , wherein the cause of loss corresponding to the damaged insured vehicle is a first cause of loss, and the system is further configured to:
receive or retrieve a digital image of the damaged insured vehicle, the digital image submitted by an insured entity via a webpage, website, or mobile device;
analyze the image of the damaged insured vehicle to determine a second cause of loss; and
compare the second cause of loss with the first cause of loss associated with the submitted insurance claim, respectively, to verify the accuracy of the submitted insurance claim, or identify potential fraud or buildup.
8. The computer system of claim 1 , wherein the system is further configured to:
receive a digital image of the damaged insured vehicle, the digital image submitted by an insured entity via a webpage, website, or mobile device; and
analyze the image of the damaged insured vehicle to estimate respective damages and/or a repair or replacement cost associated with the damaged insured vehicle.
9. The computer system of claim 8 , wherein the analysis of the image of the damaged insured vehicle to estimate the damages and/or a repair or replacement cost associated with the damaged insured vehicle comprises inputting the image into a second machine learning model to estimate one or both of (i) respective damages, and (ii) a repair/replacement cost corresponding to the damaged insured vehicle.
10. The computer system of claim 1 , wherein the system is further configured to:
retrieve or receive an insurance policy associated with the damaged insured vehicle;
and determine whether or not the cause of loss is covered under the insurance policy.
11. The computer system of claim 1 , wherein the cause of loss comprises collision, comprehensive, bodily injury, property damage, liability, or medical.
12. The computer system of claim 1 , wherein the one or more key words comprise collision, comprehensive, bodily injury, property damage, liability, medical, rental, towing, or ambulance.