U.S. patent application number 11/928570 was filed with the patent office on 2008-10-02 for historical insurance transaction system and method.
Invention is credited to Dennis Hogan, Jeffrey J. Hogan.
Application Number | 20080243556 11/928570 |
Document ID | / |
Family ID | 39344876 |
Filed Date | 2008-10-02 |
United States Patent
Application |
20080243556 |
Kind Code |
A1 |
Hogan; Dennis ; et
al. |
October 2, 2008 |
HISTORICAL INSURANCE TRANSACTION SYSTEM AND METHOD
Abstract
The present invention relates to a system and method for
conducting historical search transactions that relate directly or
indirectly to insurance subrogation and adverse claims. The
invention includes a method for the accurate resolution of
insurance claims (including claims against self-insureds), and a
method for determining the settlement rules applied by an insurer
or self-insurer in settling automotive casualty claims.
Inventors: |
Hogan; Dennis; (Spring
Grove, IL) ; Hogan; Jeffrey J.; (Glenview,
IL) |
Correspondence
Address: |
REED SMITH LLP
2500 ONE LIBERTY PLACE, 1650 MARKET STREET
PHILADELPHIA
PA
19103
US
|
Family ID: |
39344876 |
Appl. No.: |
11/928570 |
Filed: |
October 30, 2007 |
Related U.S. Patent Documents
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Application
Number |
Filing Date |
Patent Number |
|
|
60855851 |
Oct 31, 2006 |
|
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|
Current U.S.
Class: |
705/4 |
Current CPC
Class: |
G06Q 10/20 20130101;
G06Q 10/087 20130101; G06Q 10/0875 20130101; G06Q 20/201 20130101;
G06Q 40/08 20130101; G06Q 10/10 20130101 |
Class at
Publication: |
705/4 |
International
Class: |
G06Q 40/00 20060101
G06Q040/00 |
Claims
1. A method of settling an automotive casualty claim, comprising:
a) receiving a claim, the claim including: i) an identification of
a vehicle part that is damaged, and ii) an identification of a time
associated with the claim, b) querying a database of historical
vehicle replacement parts information, the database including: i)
identification of specific replacement parts, ii) the times during
which the replacement parts were available, iii) the number of
replacement parts that were available at various times, and iv) the
prices of the replacement parts at the respective times during
which the replacement parts were available, wherein the query seeks
an identification of (1) the availability of a replacement part for
the vehicle part that is damaged at times near to the time
associated with the claim, and (2) the cost of the replacement part
at that time, c) determining a price to be paid for the replacement
part based on the price of the replacement parts available at the
time associated with the claim.
2. The method of claim 1, wherein: a) the claim further includes an
identification of a location associated with the claim, b) the
database further includes the locations at which the replacement
parts were available and the number of replacement parts available
at each location at the respective times at which the replacement
parts were available, and c) the determination of the price to be
paid is further based on the distance between the location of the
replacement parts available at the time associated with the claim
and the location associated with the claim.
3. The method of claim 2, wherein: a) the database further includes
an identification of the type of the replacement part, the type
being selected from the group consisting of new, reconditioned,
remanufactured, and used, b) the query further seeks an
identification of the condition of the replacement part, and c) the
price to be paid is further determined based on the condition of
the replacement part to be used.
4. The method of claim 3, wherein the query of the database is
limited to a geographic area including the location associated with
the claim.
5. The method of claim 3, wherein the new part is identified as
either an OEM or non-OEM new part.
6. The method of claim 3, wherein the time associated with the
claim is the time at which a repair estimate is made.
7 The method of claim 3, wherein the time associated with the claim
is the time at which the damage occurred.
8. A method for determining the settlement rules applied by an
insurer or self-insurer in settling automotive casualty claims, the
method comprising: a) receiving data concerning i) the cost, type,
and availability of each replacement part paid for by the insurer
when settling previous claims, ii) a time associated with the
settled claim, iii) the location at which the repair estimate used
as the basis for settling the claim was made, and iv) the age and
condition of the automobile that was the subject of the claim, and
b) inferring the insurer's settlement rules from the data.
9. The method of claim 8, wherein the cost of the replacement parts
is correlated with the condition of the replacement parts.
10. The method of claim 8, wherein the cost of the replacement
parts is correlated with the location of the replacement parts.
11. The method of claim 9, wherein the condition of each
replacement part is selected from the group consisting of new,
reconditioned, remanufactured, and used.
12. The method of claim 8, wherein the received data further
includes the location of the replacement parts.
13. A method of settling automotive casualty claims, the method
comprising: receiving an insurance claim, identifying a demanding
party and a responding party, applying an algorithm to the
settlement rules for the demanding party and the responding party
to determine joint settlement rules, the joint settlement rules
satisfying the settlement rules of the demanding party and the
responding party and including rules for selecting an estimated
price for a replacement part to a damaged vehicle, applying the
joint settlement rules to the insurance claim.
14. The method of claim 13, wherein the settlement rules for the
demanding party or responding party are determined by a method
comprising: a) receiving data concerning: i) the cost, type, and
availability of each replacement part paid for by the demanding
party or responding party when settling previous claims, ii) a time
associated with the settled claim, iii) the location at which the
repair estimate used as the basis for settling the claim was made,
and iv) the age and condition of the automobile, b) inferring
settlement rules from the data.
15. The method of claim 14, wherein the cost of the replacement
parts is correlated with the type of the replacement parts.
16. The method of claim 14, wherein the cost of the replacement
parts is correlated with the location of the replacement parts.
17. The method of claim 14, wherein the data concerning the type of
each replacement part is selected from the group consisting of new,
reconditioned, remanufactured, and used.
18. The method of claim 17, wherein the new part is identified as
either an OEM or non-OEM new part.
Description
CROSS REFERENCE
[0001] This application claims priority to U.S. Provisional
Application No. 60/855,851 filed on Oct. 31, 2006, the entire
contents of which are incorporated herein by reference, including
any references cited therein.
FIELD OF THE INVENTION
[0002] The present invention relates to the insurance industry and
industries that interact with those in the insurance industry. More
particularly, the present invention relates to a system and method
for conducting historical search transactions that relate directly
or indirectly to insurance subrogation and adverse claims.
SUMMARY OF THE INVENTION
[0003] This invention provides methods for the accurate resolution
of insurance claims (including claims against self-insureds).
BACKGROUND OF THE INVENTION
[0004] According to The Insurance Information Institute, in 1999,
operating expenses of the average property and casualty insurer
exceeded premiums by over 5%. This indicator has not materially
changed in the years since. Inefficiencies and unnecessary expenses
in the collision repair and automotive parts industries are
typically considered to be the main culprits behind this loss.
Historically, insurance companies have been unable to access
real-time information on the purchasing practices of collision
repair shops; unable to receive more aggressive pricing on parts;
and unable to reduce the costs of conducting compliance inspections
of repair shop transactions; and unable to confirm availability and
quality of parts appearing on repair estimates. Accordingly,
insurance companies simply have not had the information and systems
they need to control repair expenditures and claim costs.
Furthermore, without access to real-time information it has been
difficult for the insurance companies to control the proliferation
of abuse and fraud. It is estimated that these two activities
account for more than 20% of every claim dollar paid by insurance
companies.
[0005] Property and casualty insurance carriers account for
approximately 90%, or $36 billion, of all collision repair payments
in the United States, according to Mitchell International, CCC
Information Services, the Insurance Information Institute,
Nationwide Insurance, GMAC, Prudential and AFG, and further
supported with Industry-At-A-Glance Research Reports. The above
referenced institutions provide statistics on claim numbers. This
financial position provides insurers with considerable leverage
over the collision repair industry. But without control over the
repair estimating process and without timely and accurate
information on the pricing, quality, and availability of parts
before a repair begins, insurance companies lose their leverage. In
an attempt to retain control, insurance companies audit repair work
on a random basis for about one-quarter of all their claims.
However, the cost of auditing is substantial, ranging from about
$85 to over $1,000 per audit. Audit results indicate that on
average repair costs are inflated by over 20%. However, the high
cost of auditing restricts insurance companies from auditing more
than about 30% of their claims. An audit provides "after the fact"
value, but it fails to attack the true issue--how the estimate was
initially developed. The inability of insurers to control estimate
development and to prevent fraudulent transactions causes the
property and casualty insurance industry to overpay on automotive
repair claims by $7 billion a year.
[0006] A solution is to enable insurance companies to affect
behavior of appraisers at the time an estimate is developed by
having those appraisers substitute higher priced original equipment
("OEM") parts with less expensive, but like kind and quality
aftermarket or recycled products on a real-time basis--thereby
enabling an accurate severity cost to be established for the repair
estimate. These solutions help insurance companies save money by
reducing the cost of the repair, estimated to be $135 per claim, or
over $2 billion annually across the P&C Insurance industry.
Appraisers and repair shops save time in locating and obtaining
parts and avoiding part disputes with the insurance company.
[0007] These solutions allow the insurance company to remotely
review and audit in real-time each repair estimate written, and to
take action on the estimate if it was written out of compliance
with the insurance company's guidelines. The insurance company is
also capable of reviewing and auditing each repair shop, staff
appraiser or independent appraiser in its actual use (or not) of
the approved parts. This system creates an audit function that is
more accurate, time efficient and less costly than the current
periodic physical audit methods, as well as more granular and
definitive than any auditing tools provided through estimating
software companies. Today, a claims appraiser, in order to save
time, will use higher priced OEM parts claiming no availability of
alternative parts. Similarly a repair shop can receive payment for
an OEM part and actually use a lower quality, less expensive part
without the insurance company having the ability to truly verify
the situation.
[0008] Subrogated claims are another area of claims, both within
the P&C industry as well as with self-insured businesses, where
tools are needed to assist parties trying to settle claims in a
timely manner that are both fair and accurate. The invention is to
develop a tool to address the inefficiencies within the practice of
managing and settling subrogated claims.
[0009] The web-based subrogation application creates value
throughout the claims process for companies and self-insured's that
require historical part availability and documentation support. The
invention can definitively make both the parties to the subrogation
process and appraisers more accountable, thereby saving insurance
companies and insured motorists money, and averting potential
litigation and arbitration hearings.
[0010] The invention is designed to provide subrogation specialists
and self-insured's access to real-time data that supports
availability of parts on historical dates, enabling parties
involved in the claims process to better identify when an appraiser
did not accurately utilize parts on an estimate and/or accurately
document the cost of parts on the estimate. The net result is a
higher number of "agreed" corrections on subrogated claims between
parties, reduced arbitration hearings, more frequent refunds of an
insured's deductible, and a reduction in premiums for insureds.
[0011] Insurance companies subrogate over five (5) million claims
annually against other insurance companies. Similarly, more than
five (5) million claims are subrogated by companies that are
self-insured. Collectively, this represents over $22 billion in
repair claims.
[0012] Most subrogated claims are six (6)--twelve (12) months old
before the subrogation process begins, but the statute of
limitations in some states is greater than five (5) years.
[0013] All insurance companies and self-insured companies maintain
guidelines as to what types of parts can and should be utilized for
a repair, what costs are acceptable versus excessive, and what
documentation is needed to support best practices in establishing
repair costs. Once a claim is subrogated, a demanding party sends
the subrogated claim to a responding party. The responding party
reviews the claim estimate to confirm it was written with parts and
operations that are commercially acceptable. When it appears costs
are too high or the wrong types of parts are utilized, the
responding party seeks a price adjustment from the demanding
party.
[0014] To support its request for an adjustment the responding
party either:
[0015] 1. Performs a current search to locate commercially
acceptable parts and documents what those parts do cost, or should
cost.
[0016] 2. Use knowledge from previous claim and repair experience
to guess what commercially acceptable parts should have been
available and what the parts and operations costs should have
been.
[0017] This information is then presented to the demanding party.
The responding party will typically request more substantial proof
that the parts and prices proposed were actually available on that
date in that area.
[0018] Some users seek methods to get confirmation on parts
availability for historic dates. The method employed is rarely
successful and infrequently used. A party that receives a
subrogated claim may request a service to verify if parts were
available on a given historical date. The service, which may be
manual or electronic or a combination of the two, will disperse a
request to parts suppliers requesting whether such requested parts
were available on the date specified. A part supplier will
sometimes respond to such a request, although infrequently and with
limited ability to give a definitive answer to the request. The
reason a part supplier responds infrequently is because part
suppliers only get paid when they sell a part. A request for
information does not drive any revenue to the part supplier and in
fact takes time away from the personnel that would otherwise be
handling calls for orders. The reason a part supplier has limited
ability to give definitive answers to a request is because the
parts supplier systems are only able to confirm availability if (1)
the specific part requested for the specific make, model, and year
vehicle is in fact quoted by that specific supplier on that
specific day, or (2) if the part requested is in stock at the time
of the request by the service AND that the specific part was added
into inventory on or before the date the service is seeking to
confirm availability on. This type of service has had very limited
use because of the deficiencies outlined above.
[0019] Today's subrogation process results in increased claim cost,
increased arbitration hearings, fewer settlements, fewer deductible
refunds to insured motorists, and increased premiums to
insureds.
BRIEF DESCRIPTION OF DRAWINGS
[0020] FIG. 1 is a general illustration of the subrogation
process.
[0021] FIG. 2 is a Flow diagram showing the operation of the
central processing location in further detail.
[0022] FIG. 3 illustrates a historical insurance transaction system
communicatively linked to a WAN.
[0023] FIG. 4 is a flow diagram showing a subrogation workflow
overview.
[0024] FIG. 5 is a flow diagram representing the subrogation
authorization process initiated by the external using entity.
[0025] FIG. 6A is the subrogation part search vehicle selection
page.
[0026] FIG. 6B is the subrogation part search estimate page.
[0027] FIG. 7 illustrates the process of producing a subrogation
report using the system of the present invention.
[0028] FIG. 8 sets forth a flow process when the user selects the
subrogation report option as indicated in FIG. 5.
[0029] FIGS. 9A and 9B are flow diagrams disclosing the data
processing system of the present invention.
[0030] FIG. 10 is a flow diagram illustrating the administrative
module of the present invention.
[0031] FIG. 11 is the login screen.
[0032] FIG. 12 is the insurance manager summary screen.
[0033] FIG. 12A is the insurance manager summary screen after
selecting subrogation.
[0034] FIG. 13 is the vehicle selection screen.
[0035] FIG. 13A illustrates the vehicle selection screen's company
drop-down menu.
[0036] FIG. 13B illustrates the vehicle selection screen's
additional drop-down menus.
[0037] FIG. 14 is the main parts search screen.
[0038] FIG. 14A is a view of the hierarchical search option for the
main parts search screen.
[0039] FIG. 14B is a view of the index search option for the main
parts search screen.
[0040] FIG. 15 is the supplier list page screen.
[0041] FIG. 15A is the supplier list page screen showing available
aftermarket parts.
[0042] FIG. 15B is the supplier list page screen showing the user
being prompted to enter a description
[0043] FIG. 16 is the estimate submitted page.
DETAILED DESCRIPTION OF THE INVENTION
[0044] The invention allows a carrier to perform a parts review on
an estimate on a specific historical date or range of dates, and in
accordance with its own parts' guidelines or the guidelines of the
Insurance Carrier/Self-Insured that subrogated the claim, or
against a custom rule set. This allows a party that receives a
subrogated claim to conduct a part and price search with confidence
on the exact date an estimate was written, and in the same
geographic area, versus conducting a search on the current date the
subrogated claim was received by the responding party and trying to
establish agreement with the demanding party that the parts "most
likely" were available on the day an estimate was written, or on
some other past date. The system allows for a search for the same
data points that were on the original estimate AND on the actual
date the estimate was written. This allows a party that receives a
subrogated claim to conduct a part and price search with confidence
on the given day an estimate was written, and in the same area,
versus conducting a search on the current date and trying to
establish agreement with the subrogating party that the parts "most
likely" were available on the day an estimate was written, or on
some other past date versus a search for the same data points but
on the actual date the estimate was written and/or the repair was
completed. The invention establishes common ground through an
independent service with the industry's first historical search
capability.
[0045] In addition to the invention's historical search
capabilities, users have access to electronic communication tools
that will enable transfer of documentation between the parties.
This communication tool is a functional setting that can be
dynamically applied to any user through the provisioning
functionality of the invention. For example, access to all
functionality tools can be granted to users based on individual or
group classification. An administrator, meaning a user that has
administrative rights granted through the provisioning tools can
define a level of access and/or communication for a group of users
or a single user. The communication capabilities allow a user with
rights to electronically communicate/transfer estimate information
from the subrogated claim file with required changes identified
through the invention, to an insurance representative or other
third party that is involved with or responsible for some level of
the subrogated claim. Communication can occur via a direct email
that originates from the invention, and automated fax that
originates from the invention, a real-time text communication that
originates from the invention, or if both the subrogating and
subrogated parties are integrated with the system, both the
estimate file and search and changes can be communicated through
the pages in accordance with the system's ASP model.
[0046] The invention supports download and printing capabilities
for correspondence or file support, and reporting for users and
managers to identify actual benefit/performance per user, team,
company or specific Carrier. The reporting capabilities replace the
manual and non-integrated processes followed by insurance companies
and third-party administrators involved in subrogation claims
today. The invention enables any user to create a template of
reporting that will pull the subrogated claim information and the
historical changes requested/required into an online data
repository. This functionality enables individual users to
eliminate the steps of manually logging subrogated claim
information with gross changes agreed to between the parties on
spreadsheets, access databases, paper templates, etc. This
electronic reporting capability also allows a user and insurance
company to track opportunities and changes at the part or line item
level of a claim estimate, versus on the aggregate. To further
illustrate this point consider today's process where a subrogation
specialist will receive a subrogated claim and follow a process so
as to determine and communicate what changes need to be made to
various line items in a claim estimate. Once the agreement has been
reached between the party sending the subrogated claim (the
demanding party) and the party receiving the subrogated claim (the
responding party), the responding party will notate in some
electronic or paper journal the total change to that estimate with
some general claim notes and information. No insurance company
today can relate an agreed upon change to the line item of an
estimate--meaning it is, for example, impossible for an insurance
company to determine that of the $126,000,000 saved (reduced
payouts due to defending subrogated claims) in the current year,
what amount of that savings was attributable to rental issues,
parts issues, labor mistakes, incorrect hours for repair functions,
etc. Today, an insurance company can only identify that individual
representatives have provided journals that indicate the
$126,000,000 has been saved and on a specific list of claim files.
The invention eliminates journal entries that deal in aggregate
information and allows tracking on a line item basis. Now through
an automated process an insurance carrier or subrogation party can
identify on each subrogated claim where costs and savings can and
should be derived from, as well as where they have been derived
from. This type of information empowers business logic to be
deployed that focus an insurer's resources at the types of items on
an estimate that cost the most or provide the most savings, versus
reviewing items that return or cost very little. The overall
process provides such efficiency that it allows for greater
throughput of files with fewer people, and at a significantly lower
cost to carriers, and with significantly better results for
insureds that pay deductibles and premiums.
[0047] The reporting capabilities at the management level also
allow an insurance company to identify what subrogating insurance
carriers are costing them the most. For example, through the
invention an insurance company can identify the number of claims
being subrogated from other insurance companies in the industry,
the average severity levels, the types of parts, and other related
financial and estimate metrics. This type of access to data enables
more focused and automated identification of subrogated claims that
should be scrutinized, versus those where very little is required.
This tracking and measurement capability is another tool designed
to facilitate efficiencies in the subrogation process and aid
insurance companies identify where representatives should spend
time. Additional logic feeds this reporting capability that enables
insurers or self-insureds to discern "estimate guidelines" so that
the review process can be fully automated and alert both parties of
issues and opportunities.
[0048] The reporting capability allows management to look at
subrogated claims at the aggregate level (all claims and
companies), at the company level only, at the company level by user
(subrogation specialist managing the specific subrogated claim),
and by the vehicle level with further filters that include make,
model or year. This data gathering and reporting capability further
allows an insurance company to automate the process and also view
output reports based upon different aspects of an estimate--by
subrogating insurance company. For example, an insurance company
manager can use the invention's reporting tools to pull details out
of the repository for all claims that contain certain conditions,
such as rental over a dollar amount or time period, OEM parts that
represent over a set percentage of parts dollars, Total Loss
classifications, etc. The report does not limit estimate elements,
but allows a user to identify and select any element on an estimate
by listing all data codes in the estimate file, such as listed in
the industry CIECA standards.
[0049] Reporting can be automated, so typos, omitted information,
fraudulent reporting, etc are eliminated, providing more accurate,
timely and efficient access to data. Once the reports are created
by a user, the information can be downloaded into any electronic
spreadsheet, word processing system or database software package
with a point-and-click function. Additionally, if desired, there
are hooks in reporting capabilities that will allow an insurance
company to import that information report directly into its claims
system.
[0050] The invention facilitates a reduced number of arbitrations
by more than 50% and will reduce overpayments between parties of
more than $2 billion.
[0051] Referring to FIG. 1, data transmissions 100 from various
commercial recycled, aftermarket, reconditioned, recovered OEM and
discounted OEM part suppliers 102 are received at a central
processing location 104. These transmissions 100 contain digital
representations of each supplier's 102 part inventory, including
such things as date of data transmission, part descriptions, stock
numbers, categorization information, physical and condition
descriptions, make-model-year the part is applicable to, pricing
and discount information, location and quantity. These
transmissions are received both directly from part suppliers 102
and indirectly through third parties. Transmissions 100 are
received via the internet, or via direct line, or via dial up
connections, or via a hard copy disc that is absorbed and converted
into data elements. The transmissions 100 can be representations of
multiple supplier's or individual suppliers' inventory at that
point in time. The transmissions can represent the total inventory
at that point in time or the change in inventory from the last
transmission.
[0052] The transmissions from various part suppliers 100, also
designated "Sources," are received by central processing location
104 periodically. The frequency of the transmission can be
different for various Sources. The present system is designed to
accommodate the variability in period, as well as for each Source.
The system is designed to accommodate the variability down to one
transmission, for one part change, within a random period, or the
equivalent of a real-time part update transmission 100. Parts
supplier 102 can provide a real-time part feed, and the central
processing location can accept, pre-process and log that part's
availability in real-time. This means that the present invention
can provide accuracy to the second of a part coming into the
marketplace and as available and being sold out of the marketplace,
and hence no longer available.
[0053] All transmissions 100 undergo filtering or preprocessing,
based on a rules engine that has rules for various parameters such
as part applicability, part usability, part quality, and
make-model-year interchangeability. Any and all rule parameters
used during filtering and pre-processing can be eliminated based on
business design. All filtering takes place in a preprocessing
computing machine. Since the database contains afternarket,
reconditioned, recovered OEM, discontinued OEM, and recycled parts,
preprocessing takes place as needed depending on the frequency of
updates provided by the parts supplier. Preprocessing of the
supplier inventory allows for parallel updating of the existing
production database while insuring there is minimal down time on
the production process.
[0054] Preprocessing of the supplier inventory allows for parallel
updating of the existing production database while insuring there
is minimal down time on the production process. The new production
database is thus updated or created, then moved into the production
environment and the database management system is simply pointed to
the new database and the changeover is made without production
downtime.
[0055] All transmissions 100, even partial update transmissions, at
times change only non-terminal aspects of part information. A
terminal aspect means that the part has been in inventory and for
some set of reasons has now left inventory. The system treats
terminal events as a transaction completion, i.e., the part entered
inventory on this date and left inventory on the termination event
date. The part data and associated fields remain part of a single
row in the database. A change in the non-terminal aspect of a part
creates a challenge, because the part has not left inventory, but
some characteristic/descriptor has changed. A critical criterion of
the present system is an accurate representation of the part
inventories on the date of interest. This requires that an
additional row be started in the database to represent the unique
profile change that has taken place in that particular part. This
enables the system to show such things as price changes, discount
adjustments, or changes to the part description.
[0056] The service has a user interface that enables the user to
quickly format queries to the database. The interface handles
client authentication via the user profile, assigning user rights
on the system. The user can query a specific date or a period, one
part or multiple parts, and the user can specify the region or
local area of interest to the particular claim that is being
reviewed. In addition, the user can specify whether the query will
be executed without material guidelines, with present day material
guidelines, or with material guidelines of the selected period. The
query is managed by the database management system.
[0057] The user can manually enter the query or have the query
automatically delivered if the record is already available in the
system. When the service is executed in an automatic fashion--that
is, when a user does not manually format the data queries--the
queries are formatted by the software extracting the data queries
from a stored data file of a report or estimate record. The same
queries can be executed in either the manual mode or the automatic
mode. If an estimate record is located in the system and a user
inputs that claim number, it can be executed. If an estimate filed
electronically comes into the system, an automated service can be
performed on that record.
[0058] The information returned from the query is formatted and
returned to the user. The user receives back a listing of parts
that were available for sale that day or period, the price, in the
local of interest. The user can drill down for additional part
information if he/she would like to have additional
information.
[0059] The external user entity 106, such as a client insurance
company that is reviewing the severity level of its liability or
potential liability in a subrogation action in evaluating the
subrogation situation, through the user interface, contacts the
central processing location 104 through data transmissions 110,
providing the central processing location 104 with information, for
example, as to the list of parts in question, the repair period of
interest, the vehicle make, model, year, the claim number and
repair location, the name of the insurance company, and the
estimated pricing of parts. The central processing location then
processes this request and data, and furnishes data transmissions
108 back to the external user entity that initiated the
request.
[0060] After transmissions 100 have been received by central
processing location 104, and then external using entity 106 is
connected to the central processing location 104 by use of the
aforesaid user interface, data transmissions 108 are sent to the
externally using entity. These transmissions include, but are not
limited to, parts prices plus savings compared to an estimate, the
parts supplier name and contact information, a complete description
of all parts, the distance from the repair location of all parts,
and the list of available parts matching the requested parts.
[0061] In one embodiment of the invention, the information received
by external user entity 106 via transmissions 108 can be furnished
to an opposing insurance company 112 that has initiated a claim,
thus allowing external using entity 106 to negotiate a settlement
with the insurance company 112 that initiated the claim being
reviewed by insurance company 106. Such information would include
the data available through transmission 114 in FIG. 1, and includes
such data as parts prices plus savings compared to an estimate,
parts supplier name and contact information, complete description
of all parts, the distance from the repair location of all parts,
and the list of available parts matching the requested parts.
[0062] In a further embodiment of the present invention, the
transmissions 114 may be furnished to external entity 112 directly
from the central processing location 104, as illustrated in FIG.
1.
[0063] Referring again to FIG. 1, information to assist a manager
of an insurance company 116 in the management of several subrogated
claims on an on-going basis can be provided by the central
processing location 104 of the present invention. As indicated by
data transmissions 118, the insurance company manager 116 provides
the central processing location 104 with the name of the insurance
company and the period of time involved, as well as the location,
group, region or individual name of the manager/insurance company.
The central processing location 104 then provides a report to the
manager 116 including data covering the requested period and
showing all claims processed.
[0064] FIG. 2 represents a more detailed flow diagram showing the
operation of the central processing location in further detail. As
stated previously, parts suppliers 102 furnish the first
subrogation processing part 120 are the central processing location
104 with data transmissions 100. At the same time that parts
suppliers 102 are furnishing data 100 to the first part 120, of the
central processing location 120, the central processing location
via first part 120 is continually and periodically requesting from
the parts supplier 102 additional inventory information and updates
122. The parts information received by first part 120 of central
processing location 104 then filters and categorizes all part
inventory data as shown at 124. This filtered inventory information
124 is then transmitted to the second part 126 of the central
processing location 104 where the filtered inventory information
124 is applied to the database 301 (FIG. 3)(A) in the central
processing location 104.
[0065] A respondent insurance client 106 reviewing the severity
level of liability in a subrogation action initiates an inquiry of
the database 302 by submitting a request for authorization 128 to
the central processing location 104. If properly submitted, the
insurance client 106 receives a return authorization 130 from the
central processing location 104. The respondent insurance client
106 then transmits data 110 to the second part 126 of the central
processing location 104, namely material guidelines to be used, the
calendar period to be reviewed, the parts desired and estimated
pricing, the repair location, the claim number and the insurance
company that is subrogating the claim, and the request for
subrogation. Upon receipt of this transmission 110 from the
respondent insurance client 106, the second part 126 sends a
request for the search of the subrogation database 302 based upon
the criteria furnished by transmission 110 from the insurance
client 106. The request is received by the third portion 134 of
central processing location 104.
[0066] Upon completion of the search of the database 302, data
transmissions 108 are furnished from third part 134 of the central
processing location 104 to the respondent insurance client 106.
This data includes a summary of all parts available, a complete
description of each part, pricing information and savings
information, and data regarding the distance from the repair
location of the parts in question. As mentioned above, in one
embodiment of the invention, the respondent insurance company
client 106 can furnish the information received from the third part
134 of the central processing location 104 directly to the
opposing, demanding insurance company 112 that initiated the claim.
In the embodiment illustrated in FIG. 2, transmissions 114 are
furnished directly from the third part 134 of central processing
location 104 to the demanding insurance company 112, including a
summary of all parts available, a complete description of each
part, pricing information, savings information and the distance of
the part from the repair location. By furnishing this information
to the demanding insurance company 112 initiating the claim, the
respondent insurance client 106 can more efficiently negotiate a
favorable (i.e., more accurate) settlement of the claim, with the
demanding insurance company 112.
[0067] As shown in FIG. 2, data transmission 136 reflecting data as
to each claim that is processed is furnished to the fourth part 138
of central processing location 104 to add to the decision-making
capability provided by the database 305 at the fourth part 138. In
this regard, the insurance company manager 116 submits a request
for authorization 140 to fourth part 138 of central processing
location 104. Upon receiving authentication 142 from fourth part
138, the insurance company manager then submits transmissions 118
to fourth part 138 requesting information for regional group or
individuals, or a request for particular insurance companies and
calendar periods that are stored in the database 302 accessible by
the fourth part 138 of the central processing location 104. Fourth
part 138 then sends a request 144 for a subrogation database search
based on the provided criteria. The fifth part 146 of central
processing location 104 processes request 144 and submits a summary
report 148 that is created based on the submitted criteria and
furnishes that data back to the insurance company manager 116, as
shown in FIG. 2. The insurance client 106 also requests 150 that a
report summary is e-mailed back to insurance company 106.
[0068] FIG. 3 illustrates a historical insurance transaction system
300 ("the system 300") communicatively linked to a WAN 325. FIG. 1
further illustrates a system workstation 315 communicatively linked
to the WAN 325.
[0069] The system workstation 315 includes at least one processor
335, at least one computer readable medium 330, at least one
communications device 350 and a display 340. One of skill in the
art will appreciate that the system workstation 315 components may
be connected via a system bus or via peripheral connections or any
combinations thereof. A system user 310 accesses the system 300 via
a communication link 314 and the WAN 325.
[0070] The system 300 includes at least one web server 306, at
least one application server 304 and at least one database server
302, all of which are communicatively attached via a data network
320. One of skill in the art will appreciate that the servers 302,
304 and 306 may be consolidated in any topology and in any
permutation. One of skill in the art will further appreciate that
the database server 302 accesses at least one storage 303, and that
the storage 303 may be local or distributed relative to the data
network 320. The system 300 employs a communications link 312 to
access the WAN 325, thereby interfacing with external entities,
including but not limited to data aggregators, parts suppliers and
the system workstation 315.
[0071] FIG. 4 is a flow diagram showing a subrogation workflow
overview. The process initiated by an insurance client 400 that has
a claim that requires subrogation. The insurance client 400 then
submits a request for authorization 128 (FIG. 1) to access 402 the
central processing location 104 through the user interface of the
central processing location. The user, after being authenticated
130, inputs 404 part, time period and search parameter information
into the central processing location 104. The user then transmits
406 the information to the central processing location 104 via data
transmission path 110. The central processing location 104 then
authenticates 408 the user and accepts transitions of subrogation
search information. This information is transmitted 128, 130 to
another portion of the central processing location that interprets
410 the business logic search information, structures the query and
pulls in appropriate material guidelines. This data is then
transmitted 132 to the third part 134 of central processing
location 104 to select 412 appropriate sets of material guidelines
depending on time period search parameters. The request is queried
416 for execution of the search. The national part database is then
queried 418 in the geographical location and time period and with a
specific material guidelines for the particular part types
requested. A production version of the national part database is
created 420, with the schedule made to batch in real time. The
database 302 then collects 422 available parts and part information
for a user report. The data is then sent to a report writer 424 for
user requested formatting. Next, a report is generated 426 and
transmitted to the user 310 via data transmission 108.
[0072] The user receives 428 the requested subrogation report via
the user interface of the central processing location 104. Via
transmission 429, in one embodiment of the invention, the user
shares 430 information with the opposing insurance company 112 that
initiated the claim, and insurance client 106 then negotiates
settlement using the data provided by the central processing
location 104.
[0073] Referring to FIG. 4, the process for maintaining the
database 302 up to date with parts data begins when the parts
supplier maintains 432 current inventory information regarding
parts, and prepares an update of such information on an agreed
schedule. The parts supplier then transmits 434 the part inventory
and the updates to the central processing location 104 via
transmission 100. The central processing location 104 then receives
436 the supplier part inventory update and stores the data in the
database 302. This data is then filtered 438 and prepared for
pre-processing, and is pre-processed and prepared 440 for the
production subrogation database 302. This information is then
furnished to the database 302 shown in block 420 in FIG. 4.
[0074] FIG. 5 is a flow diagram representing the subrogation
authorization process initiated by the external using entity 106
(FIG. 1). To start a subrogation transaction, the using entity 106
accesses the log-in page associated with the computers at central
processing location 104. The user 310 logs in with their name and
password, and if the name and password corresponds to an existing
profile, the user is given access to a "my page" menu. The user
profile defines the user name, company, location, contact
information, password and data access rights set by rules embedded
in the system 300. As also seen in FIG. 5, if the user cannot enter
a proper name and password, entry is prevented but the user is also
given the opportunity to register. If the user decides to register
and submits all the required information, the user is then provided
access to the "my page" menu. If no name and password is entered
into the system, the subrogation transaction is halted.
[0075] Referring to the claim activity portion of FIG. 5, if the
subrogation option has been selected from the "my page" menu, the
using entity 106 is then given the option to initiate a subrogation
search. If the subrogation search is initiated, the using entity
106 is advanced to the vehicle selection page. If the subrogation
search is not selected, and the user has selected the subrogation
report option, the user is advanced to the subrogation report page.
Also, if the using entity 106 selects the subrogation report
management option, the user is advanced to the subrogation report
managing page.
[0076] The process used in the subrogation system 300 of the
present invention continues from the vehicle selection page as
initially illustrated in FIG. 6A. This is the subrogation part
search of the process. Once at the vehicle selection page, the
using entity 106 selects from a prior activity summary table. If
there has been no prior activity by this user, the using entity 106
selects the insurance company that initiated the claim against the
using entity 106 from a drop-down table. This table allows the
using entity to insert the claim number, owner or location zip
code, five digits of the vehicle identification number, the total
repair estimate amount, the vehicle owner's first and last name,
the beginning search date and the ending search date. Then the user
is prompted to select the make, model and year of the vehicle from
drop-down tables, with the option of adding a second vehicle if
desired. If a new vehicle is added, another drop-down table appears
wherein additional information about the second vehicle is
inserted.
[0077] If the using entity 106 indicates that no additional vehicle
is to be added, the user activates a push button to select parts,
which brings the select parts page to the screen. The user then
indicates whether it desires to select parts for the search from
the list. If yes, the user selects the parts by double clicking on
the part, and each part that is selected is moved to a part
selected window. The user also has the option to select category
parts for the search from a list by double clicking a category
list, bringing up a list of parts in a selected category. Parts are
then selected by double clicking on the part, each part selected
moving to the part selected window. In either case, whether the
parts are selected from the parts list or from a category of parts
list, the process inquires whether a search period end date has
been inputted into the system. If no, a two-week default period for
the search is entered into the system. If the search period end
date has been inputted, the period described for the search is
entered into the system.
[0078] After the search period has been defined, the using entity
106 selects the continue button that executes the search for the
parts based on a search radius. A special zip code with regional
information algorithm calculates available suppliers and parts
based on the search parameters in the system 300. Selected part
types are searched for availability and supply volume within the
geographic area. The system then inquires whether there are any
parts available within the supply volume. If the answer is no, a
list of "no available" parts inventory is made under associated
part type tabs on the supplier's page. If parts are available
within the supply volume, a list of available parts under the
associated part type tab is created on the supplier's page. In
either instance, the user is moved to the part supplier page with
selected part types on tabs with available suppliers summarized
under each part type, such as: recycle parts, reconditioned parts,
alternative parts, OEM (original equipment manufacture) parts.
[0079] The user is then inquired whether they want to add more part
types. If yes, the user selects the "add more parts" button, and
the data is sent to the previously defined push button to select
parts, which brings the user to the select parts page. If the user
indicates that no additional parts are to be added, the user is
inquired as to whether to change the search radius. If yes, a new
radius amount is input into the search radius field, and that data
is furnished back to the inquiry whether the search period end data
has been input into the system, as previously defined. If the user
entity indicates that it does not want to change the search radius,
a data page appears showing the following information on the
supplier page under tabs of selected part types: the suppliers
company name and contact information, part description, SKU, price
with markup, price without markup, and quantity.
[0080] The user 310 is then inquired as to whether the parts
suppliers have been selected from a part type tab. If yes, a
particular parts supplier has been copied and the quantity of one
has been marked, and the estimate part description window is open.
The user is then asked again whether the estimate description had
been filled out. If the answer is no, the savings calculation
cannot be shown. If the answer is yes, information in the two
fields of "part description" and "estimate price" can be used for
savings calculation.
[0081] The user is then inquired as to whether all part type tab
parts have been selected. If yes, all selected parts supplier
information is shown at the bottom of the page window. The user is
then given the option to continue the process, which moves the user
to the estimate page. The parts selection header on the estimate
page displays the following information: the claim number,
location, name and model of the vehicle, total loss adjustment
figure and date searched. Within the parts selection window under
the header, the individual parts selected are listed with the
following information for each part selected: part name and
orientation, part loss cost adjustment, supplier name and contact
information, part distance from vehicle, available dates within
search period, part description, part stock number, part quantity,
price with markup, price without markup, and estimate price. The
using entity 106 then has the option of printing the part selected
information, e-mailing the parts selection information to a third
party. The user is then asked whether it desires to process another
claim, and if the answer is yes, the user is returned to the
vehicle selection page. If the user indicates it does not desire to
process another claim, the subrogation part search is completed,
returning to "my page" or to "log out."
[0082] Referring to FIG. 6A, when the subrogation search is
initiated, the user entity 106 is inquired whether it desires to
select from the prior activity summary table. If the answer is yes,
the act of selecting the particular claim of interest loads all
pertinent information in the page where the user last left the
search transaction, and this information is presented for review by
the user. The user is then inquired whether they are editing a part
selection. If yes, the user is advanced to the part supplier page
with the selected part types on tabs with suppliers available
summarized under each part type, as previously described. If the
user indicates that it is not editing a part selection, the user is
inquired whether they are reviewing a completed transaction. If
yes, the estimate page as shown in FIG. 6B appears before the user,
and the process continues as described above.
[0083] FIG. 7 illustrates the process of producing a subrogation
report using the system 300 of the present invention. This process
is initiated when the user selects the subrogation report option
and is now on the subrogation report page. The subrogation report
page offers two ways to generate a report. The user can either
search for a specific claim file, or enter specific search criteria
for various ranges. If the user selects a specific claim file
search, the user is inquired whether a specific claim number has
been entered. If yes, the user selects a review summary. If no, the
user inquires whether a specific transaction number has been
entered. If yes, the user again is advanced to the review summary.
If no, the user is again inquired as to whether or not a specific
claim number has been entered.
[0084] If the user answers no to the question whether a specific
claim file search has been selected, the user is then inquired
whether data has been entered into the alternate search area. If
yes, the user is inquired whether a dollar amount of the severity
range has been entered. If yes, the user is then inquired whether a
selected date of the loss in the date range has occurred, and next
the user is inquired whether a selected date has been created in
the date range. Next, if the user enters a date range, the user is
then prompted to the selection of the review summary by the user
page. At this point, the user is advanced to the subrogation report
page which has a summary heading providing the following data: the
search date range, the total number of estimates in the search, the
total computed estimate in the search, the total estimate part cost
in the search, the total database part cost in the search, and the
lost cost reduction in the search. The user is then prompted to
select the download. If yes, the data is downloaded to the user. If
no, the user is prompted to a page comprising an auto tab summary
of claims contained in the search, providing the following data for
each claim: claim number, insurance company, created date, search
date, make/model and year of vehicle, insurance company subrogating
against, estimate cost, estimate part cost, database part cost, and
loss reduction cost.
[0085] The user now can select to download this table and then the
user is prompted to select to view any claim in detail. If the user
selects yes, the user is moved to a subrogation estimate auto
detail page for the specific claim chosen. Next, a page appears
with audit details including the claim number, the search location
number and the date of the subrogation. Next, a window appears
entitled initial estimate window providing make/model and year of
vehicle and the following information: the part description, the
part supplier name, the supplier contact information, the distance
from the location, the type of part recycled/reconditioned/after
market/OEM, alternative part description and price, quantity,
estimate cost, and database cost.
[0086] FIG. 8 sets forth a flow process when the user 310 selects
the subrogation report option as indicated in FIG. 5. When that
option has been selected, the user is now on the subrogation report
management page which provides the user with an option of two ways
to generate a report that is confined to one office, or spans all
offices. These options are to search for a specific claim file or
entry specific search criteria for various ranges. The user is then
prompted to indicate whether it has selected a specific claim file
search. If the answer is no, the user is prompted to respond
whether data in the alternate search area has been entered, whether
a dollar amount severity range has been entered, whether a selected
date of loss and date range has been entered, whether a selected
date was created in the date range, whether the user has entered a
date range, whether the user has selected all office locations or
whether the user has selected a particular office location. Once
this inquiry has been completed the user is advanced to the review
summary page.
[0087] Where the user 310 selects a specific claim file search, the
user is then inquired whether a specific claim number has been
entered, and whether a specific transaction number has been
entered. If these questions are answered in the affirmative, the
user is prompted to the review summary page.
[0088] From the review summary page, the user is advanced to a
subrogation report page, where a summary header provides the
following data: the search date range, the total number of
estimates in the search, the total computed estimate in the search,
the total estimate part cost in the search, the total database part
cost in the search, and the total loss cost reduction. The user is
then inquired whether it selects to download the data. If yes, the
information is downloaded to the user, if no, a page appears titled
auto tab summary of claims contained in search that provides the
following data for each claim: claim number, insurance company,
created date, search date, make/model and year of vehicle,
insurance company subrogating against, estimate cost, estimate part
cost, database part cost and the loss reduction cost.
[0089] The user is then inquired whether it has selected download.
If yes, the above information is downloaded to the user. If no, the
user is inquired whether it selects to view any claim in detail. If
yes, the user is moved to the subrogation estimate auto detail page
for the claim chosen, where a page appears: indicating the claim
number, the search location and the date of subrogation.
[0090] Next, the user is prompted to an initial estimate window
which provides the make/model and year of the vehicle and the
following information: the part description, the part supplier
name, the supplier contact information, the distance from the
location, the type of part recycled/reconditioned, after market,
OEM, ultimate part description and price, quantity, estimate cost,
and database costs.
[0091] FIGS. 9A and 9B are flow diagrams disclosing the data
processing system 300 of the present invention. Initially, the
database 302 in central processing location 104 receives the data
file from the supplier, either a full file or a delta file, and
either a batch file or a real time file. The data file contains the
following information: the Hollander interchange number, the
Hollander part code, supplier SKU, price with markup, price without
markup, repair labor hours for part, vehicle model and year,
supplier name, store number, inventory identification number, flag
for full file, flag for add/replace/delete part, part description,
and free text notes.
[0092] The user 310 is then inquired as to several factors, wherein
a no response to any one of the factors takes the user to the
delete part data row. A series of yes answers to these inquiries
takes the user to the data row validated page. The inquiries that
the user 310 is directed to inquire are:
[0093] 1. Does an IC number exist;
[0094] 2. Does a part code exist;
[0095] 3. Does a price with markup exist;
[0096] 4. Does a supplier SKU exist;
[0097] 5. Does a price without markup exist;
[0098] 6. Do labor hours exist;
[0099] 7. Does the model year exist;
[0100] 8. Does the model exist;
[0101] 9. Does the supplier name exist;
[0102] 10. Does the store number exist;
[0103] 11. Does the part status flag exist; and
[0104] 12. Does the inventory ID number exist?
[0105] A no response to any of these inquiries will direct the user
to the delete part data row box. From either the data row validated
box or the delete part data row box, the user is directed to an
inquiry whether there are remaining rows to be validated. If yes,
the twelve inquiries mentioned above are again posed to the user.
If there are no remaining rows to be validated, the user checks the
free text note attached to each part to determine the usability of
the part by passing the free text word string through the note
interrupter rules engine. The user is then inquired as to whether
the part note has successfully passed through all of the rules. If
no, the user is directed to the delete part data row. If the answer
is yes, the user is inquired whether there are remaining rows to be
filtered. If yes, the user is directed to the above inquiry whether
the part note successfully passes through all the rules. If the
answer as to whether there are remaining rows to be filtered is no,
the process creates a unique MD five hash for each part row within
the remaining data base utilizing the following information: part
supplier name, store number, and inventory identification
number.
[0106] The user 310 is then inquired whether the status field has
an "A." If yes, a unique part row for this part is added in the
part inventory. If no, the user inquires whether the status field
has an "R". If the response is yes, the process replaces the
existing part row with matching hash with a new unique part row for
this part in the part inventory. If the status field does not have
an "R", the user inquires whether the status field has a "D". If
the answer is yes, the process will delete this part row from the
part inventory. Following the inquiry regarding the status field,
and referring to FIG. 9B, the process starts the database update
with validated and filtered part data and opens the responding
file. The user 310 is inquired whether the part row hash matches
the existing database. If the answer is no, the process directs the
user to an indication that the part does not exist and needs to be
created. If the part row hash matches the existing database, the
processor knows that the part row exists and needs to be updated.
The user is then inquired whether the status is either add,
replace, or delete. If the status is to be added, the processor
reads that the status is inconsistent with the database update
process and there is an error, and the part row is discarded. If
the response to the inquiry is to replace the status, two update
actions are required. The first is to end the available date on the
existing matched row in the part database --the date being the
previous day's date. The second is to create a unique part row. If
the inquiry response is to delete the status, the matched part row
is updated by adding the ending availability date.
[0107] Where the status is to replace the part row, the two update
actions set forth above are taken, and the processor then creates a
new unique row in the part inventory database with the following
part information: part name, supplier name, supplier contact
information, supplier store number, inventory ID, part SKU, price
with markup, price without markup, hash number, interchange number,
part code, labor hours, notes, model, vehicle year, beginning
available date, sequence of available dates, and ending available
date. In addition, if the part row does not exist initially and
needs to be created, all the data used to create the part row is
also fed into the creation of the new unique row in the part
inventory database as described above.
[0108] After the system 300 updates the matched part row by adding
an ending availability date, or creates a new unique row in the
part inventory database, the user 310 is inquired whether the
update file is in a calendar sequence. If no, all previous part
rows are marked as unknown between the last update and the present
update. If the update file is in proper calendar sequence, the data
processor places the updated part inventory database in
production.
[0109] The administrative module of the present invention is
illustrated as a flow diagram in FIG. 10. The process begins by the
user 310 bringing up the appropriate web page and entering the
proper user ID and password. Once the user ID and password are
authenticated, the user is directed to the "My Page" screen, where
the user then selects "subrogation". Next, the user selects
"subrogation management report" to move to the management report
page.
[0110] The user is then prompted to select if it desires to search
by geographical area. If yes, the geographical area selected. If
no, the user inquire whether it desires to search by organizational
entity. If yes, the user selects the organizational entity. If no,
the user is inquired whether it desires to search by individual in
the organizational entity. If yes, the individual is selected. If
no, the user is inquired whether it desires to search by particular
insurance companies. If the answer is yes, the appropriate
insurance company. If no, the user is inquired whether it desires
to search by dollar limits on claims. If yes, the user enters the
upper and lower limit of the dollar amount. The users then inquire
whether to search by dollar limits of savings. If yes, an upper and
lower savings limit is entered.
[0111] If either a yes or no answer is given to the inquiry as to
searching by dollar limits of savings, based on the search
criteria, the process executes the search and returns subrogated
claims that are within the search criteria. Within the search
criteria summary information is returned for each claim as follows:
a total number of estimates, total computed estimates, total
estimate part cost, total database part cost, and total cost
reduction. The additional detail is also furnished: claim number,
insurance user, created date, search date, make/model, insured
company, estimate cost, estimate part cost, database part cost, and
loss reduction.
[0112] The user 310 is then queried whether a full detail on a
particular claim is needed. If yes, the user can select a view of
any particular claim and the claim detail becomes available,
including the parts available, the parts selected, supplier contact
information, part descriptions, SKU numbers, estimate line item
cost, database line item cost, line item cost reductions and claim
totals. If the answer to the query whether a full detail on a
particular claim is negative, and after the user selects the view
of any particular claim, the user is then inquired whether it
desires to email or print the information. If yes, the user can
select the choice of transmitting the information. If no, the user
is inquired as whether it desires to initiate another search. If
the answer is yes, the user is directed to the beginning of the
search process. If the answer is no, the user is directed to log
out from the system.
[0113] In one embodiment of the subrogation system, the user 310
can log in at the appropriate website with a pre-designated user
310 ID and password at the login screen 500 (FIG. 11) to begin the
subrogation search process. In operation, as shown in FIG. 11, the
user 310 enters the user 310 ID and password and then clicks the
"enter" button 505 on the login screen 500. The user 310 is
transferred to the Insurance Manager Summary screen 510 shown in
FIG. 12. To enter the subrogation system, the user 310 clicks on
the "Subrogation" link 512 also shown in FIG. 12. After selecting
"Subrogation" 512, the user 310 is presented with two selection
choices in FIG. 12A--"Subro Search" 515 and "Subro Search
Management" 517. The user 310 selects "Subro Search" 515 to proceed
with the search process and enter the vehicle and parts' selection
screens. As best seen in FIG. 13, a user 310 can also view prior
activity, if any, on the vehicle selection screen 520. The prior
activity table 522 shows in process and completed activity for
various other searches if available. Various column headings 524,
also shown in FIG. 13, provide organizational structure for the
table 522 and provide a user 310 with the ability to sort data in
the table 522 by selecting and clicking on a particular column
heading 524. For the illustrated search shown in FIG. 13, no prior
activity is presently available.
[0114] FIG. 13 further illustrates the data entry fields to begin a
new subrogation search process for a specific new vehicle at 526.
The user 310 first has an option to select a represented insurance
company from the drop-down menu 530 shown in FIG. 13A. After
selecting the insurance company at 530, the user 310 enters
information in the fields for the claim number 532, the zip code
534, the total estimate amount 536, the "from date" 538, as well as
make 540, model 542, and year 544. Make 540, model 542, and year
544 are selected from the drop-down menus as indicated in FIG. 13B.
The VIN 546 field will auto-fill in the illustrated embodiment. If
the system fails to auto-fill the VIN, it will be necessary for the
user 310 to enter the last five digits of the vehicle's VIN. The
fields for the owner's first name 548 and last name 550 will also
automatically populate based on the system user 310. When all data
is entered and the user 310 is ready to proceed through the system,
the "Select Parts" 552 button should be selected to advance to the
next screen and search for the parts required for cost estimation
and availability.
[0115] FIG. 14 shows the main parts search screen 555 in the
Subrogation system of the present invention. A user 310 can search
for parts in three ways. First, a user 310 may scroll through the
parts listed alphabetically in the main table 557 in FIG. 14.
Second, a user 310 may perform a hierarchical search by selecting a
category at 559 to expand into sub-categories as shown in FIG. 14A
for a narrower search. Third, a user 310 may perform an index
search by entering a key word or words at 562 as shown in FIG. 14B.
The system will provide a list of parts 564 containing those key
words. The user 310 then selects the desired parts from the list by
highlighting those entries as shown at 566 in FIG. 14B.
[0116] Parts selection in all three processes occurs via clicking
on the part name in the "Parts List" box 560. Clicking on the part
name a second time will de-select the part. All part selections
will appear in the parts selection box 570. In FIG. 14B, the parts
selections box 570 is populated with the parts selected by the user
310. To proceed through the system the user 310 then selects the
"Continue" button 572 as seen in FIG. 14B.
[0117] The user 310 will then be presented with a "Supplier List
Page" 575 screen. (FIG. 15) Tabs 577 associated with a particular
selected part on the screen 575 denote the parts' availability.
When a tab 577 is selected, a list of suppliers will be displayed
by category. For example, Recycled, Aftermarket, OEM,
Reconditioned, and Recovered OEM categories for suppliers shown at
580 may be listed on the screen 575. Supplier options and prices,
if available, will be viewable directly below the parts tabs in the
space indicated at 585. Tabs 579, 582, 583, 584, 586 and 587 as
seen in FIGS. 15, 15A, and 15B denote that no parts are available.
Tabs at 581 indicate that the part is currently selected for
viewing, and available parts are visible in the space provided at
585. FIG. 15A shows available aftermarket parts in the space at 585
for the parts selected at 581. To choose a supplier for an
available part, the user 310 will select the "Copy" button at 590.
As best seen in FIG. 15B, the user 310 will then be prompted to
enter a description at 592, if desired, and a parts price at 594
from the estimate being reviewed. After selecting and reviewing
part availability at 596, the user 310 can proceed through the
system to the "Estimate Submitted" screen by selecting the
"Continue" button 572.
[0118] In FIG. 16 of the illustrated embodiment, the "Estimate
Submitted" page 598 provides the user 310 with a printable document
of part availability at the time of the original estimate.
Information in this report can include the claim number, search
location, make, model, and year information, and the date the
search was performed. The system also can provide a lost cost
adjustment at 599 which is the difference between part savings
found through the system of the present invention which were
available at the time the original estimate was written and those
used in the original estimate.
[0119] While the description above refers to particular embodiments
of the present invention, it will be understood that many
modifications may be made without departing from the spirit
thereof. The accompanying claims are intended to cover such
modifications as would fall within the true scope and spirit of the
embodiments of the present invention.
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