IP Library › Granted Patent US 12,340,421
Granted Patent B2
US 12,340,421 · App. 18/228,999 · Granted Jun 24, 2025

Automated damage assessment and claims processing

Inventors: Danuta Genser (Naperville, IL); Devbratt Harlalka (Champaign, IL); Rohit Garg (Champaign, IL); Gaurang Katyal (Champaign, IL)
Assignee: Allstate Insurance Company
G06Q40/08H04N7/181
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Quick Facts
Patent No.
US 12,340,421
App. No.
18/228,999
Granted
Jun 24, 2025
Kind
B2
Abstract

Systems and methods provide for an automated system for analyzing damage and processing claims associated with an insured item, such as a vehicle. An enhanced claims processing server may analyze damage associated with the insured item using cameras and lasers for determining the extent and severity of the damage. To aid in this determination, the server may also interface with various internal and external databases storing reference images of undamaged items and cost estimate information for repairing previously analyzed damages of similar items. Further still, the server may generate a payment for compensating a claimant for repair of the insured item.

Claims (35)

1. A method comprising:

obtaining one or more images of an item, the one or more images captured using one or more cameras;

identifying a damaged area of the item using the one or more images;

obtaining depth data of the damaged area of the item, the depth data captured using one or more lasers;

identifying a type of damage to the damaged area by mapping a depth of damage to the damaged area using the depth data;

generating damage information based on the type of damage; and

determining a severity classification associated with the damage information.

2. The method of claim 1 , wherein obtaining the one or more images of an item is performed by a remote terminal device which includes: the one or more cameras, the one or more lasers, and a display screen for displaying the damage information.

3. The method of claim 2 , further comprising presenting, at a display of a terminal device, an output, based on the damage information, indicating an estimate for an amount of time for repair.

4. The method of claim 3 , further comprising presenting, at the display, an indication of a replacement cost estimate based on the damage information.

5. The method of claim 1 , further comprising completing, by generating the damage information, a damage inspection step of an automated claims processing scheme which includes less than thirty minutes.

6. The method of claim 5 , wherein the automated claims processing scheme is performed at a kiosk of a vehicle damage analysis facility.

7. The method of claim 6 , further comprising presenting, at a mobile device associated with an owner of the item, an indication of whether the item is in a correct position at the vehicle damage analysis facility.

8. The method of claim 7 , wherein obtaining the depth data of the damaged area is performed by a workstation computing device of the vehicle damage analysis facility.

9. The method of claim 1 , further comprising receiving inputs from a user associated with the item providing validating identifying information and vehicle information.

10. The method of claim 9 , wherein the inputs are received at a kiosk computing device of a vehicle damage analysis and claims processing facility.

11. A method comprising:

obtaining, one or more images of an item, the one or more images captured using one or more cameras of one or more computing devices;

identifying, using the one or more computing devices, a damaged area of the item using the one or more images;

obtaining, using the one or more computing devices, depth data of the damaged area of the item, the depth data captured using one or more lasers;

identifying, using the one or more computing devices, a type of damage to the damaged area by mapping a depth of damage to the damaged area using the depth data; and

causing an indication of damage information, based on the type of damage, to be presented at a display device of the one or more computing devices.

12. The method of claim 11 , wherein causing the indication of the damage information to be presented at a display device includes combining three image portions together via a stitching operation.

13. The method of claim 11 , wherein causing the indication of the damage information to be presented at a display device includes presenting a severity classification associated with the damaged area.

14. The method of claim 11 , wherein causing the indication of the damage information to be presented at the display device includes presenting a query, as to an accuracy of the damage information, at the display device of the one or more computing devices.

15. The method of claim 14 , further comprising receiving a user input at the one or more computing devices responsive to the query.

16. The method of claim 11 , wherein causing the indication of the damage information to be presented at a display device includes presenting, based on the damage information, a query requesting a user input to indicate a preferred type of service provider.

17. The method of claim 11 , wherein causing the indication of the damage information to be presented at a display device includes filling in a color or texture of the damaged area in the one or more images.

18. The method of claim 11 , wherein causing the indication of the damage information to be presented at a display device includes determining if a replacement part, within a predetermined distance of the one or more computing devices, needs blending for color matching.

19. The method of claim 11 , wherein causing the indication of the damage information to be presented at a display device includes characterizing a point of interest based on a point of the damaged area having a larger depth value than surrounding points.

20. A method comprising:

identifying a damaged area of an item associated with a user of a mobile device using one or more images of the item;

obtaining depth data of the damaged area of the item, the depth data captured using one or more lasers;

identifying a type of damage to the damaged area by mapping a depth of damage to the damaged area using the depth data; and

causing an image of the damaged area to be presented at a display device of a mobile device associated with a user of the item.

Assignments (1)
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Aug 9, 2023
From: GENSER, DANUTA; HARLALKA, DEVBRATT; GARG, ROHIT; KATYAL, GAURANG
To: ALLSTATE INSURANCE COMPANY
Reel/Frame 064533/0023 →
Continuity (5)
Continuation 17337994 · Jun 3, 2021
Continuation 16803175 · Feb 27, 2020
Continuation 16386900 · Apr 17, 2019
Continuation 13728539 · Dec 27, 2012
Related Publication 20240029168A1 · Jan 25, 2024
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