Invention Grant
- Patent Title: Method and system for comparing automatically determined crash information to historical collision data to detect fraud
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Application No.: US15865478Application Date: 2018-01-09
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Publication No.: US10997607B1Publication Date: 2021-05-04
- Inventor: William J. Leise
- Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
- Applicant Address: US IL Bloomington
- Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
- Current Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
- Current Assignee Address: US IL Bloomington
- Agency: Marshall, Gerstein & Borun LLP
- Main IPC: G06Q40/08
- IPC: G06Q40/08 ; G06Q30/00

Abstract:
To detect a risk of insurance fraud in a vehicle insurance claim for physical injuries, injury data may be retrieved from previous crashes involving similar type vehicles as the damaged vehicle, and having similar crash characteristics. One or several likelihoods that the claimant suffered physical injuries from the crash may be determined based on the percentage of people who suffered similar types of injuries or similar severity according to the injury data. If the one or several likelihoods are very small, the claim for physical injuries may be flagged as a risk of fraud and a suspicious loss indicator may be transmitted to a mobile computing device for display.
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