Invention Application
- Patent Title: Using a Distributed Ledger to Determine Fault in Subrogation
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Application No.: US17740264Application Date: 2022-05-09
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Publication No.: US20220270180A1Publication Date: 2022-08-25
- Inventor: William J. Leise , Douglas A. Graff , Anthony McCoy , Jaime Skaggs , Shawn M. Call , Stacie A. McCullough , Wendy H. Clayton , Melinda Teresa Magerkurth , Kim E. Flesher , Travis Charles Runge
- 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
- Main IPC: G06Q40/08
- IPC: G06Q40/08 ; G07C5/00 ; H04L9/06 ; G07C5/08 ; G06N20/00

Abstract:
Systems and methods are disclosed with respect to using a blockchain for managing the subrogation claim process related to a vehicle accident, in particular, determining fault as part of the subrogation process. An exemplary embodiment may include receiving an electronic notification of a vehicle collision; receiving sensor data (such as telematics, image, audio, vehicle operational, or other sensor data) related to the vehicle collision; determining a percentage of fault of the vehicle collision for one or more vehicles, vehicle systems, and/or drivers based upon, at least in part, analysis of the sensor data collected; and creating a blockchain for the vehicle collision with one or more links to the sensor image data and an indication of the percentage of fault(s) determined to facilitate blockchain-based claim handling.
Public/Granted literature
- US11580606B2 Using a distributed ledger to determine fault in subrogation Public/Granted day:2023-02-14
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