公开(公告)号：US20230135121A1

公开(公告)日：2023-05-04

申请号：US18091702

申请日：2022-12-30

申请人： State Farm Mutual Automobile Insurance Company

发明人： Carlee A. Clymer ,  Gary Foreman ,  Ronald R. Duehr ,  Denson Smith ,  Vincent M. Hummel ,  Bradley J Walder ,  Chad Mychal Hirst ,  Justin Devore ,  Shane Tomlinson ,  David A Pluimer ,  Pavan Kumar Bhagavatula ,  John Westhues ,  Tracey Leigh Knorr ,  Erin E. Miller ,  Joshua T. Monk ,  Aaron Ames ,  John G. McConkey ,  Michael Cicilio Fresquez ,  Himanshu Chhita ,  Jason Beckman ,  Douglas A. Graff ,  Michele Wittman ,  Alexis Cates ,  Stephen Young ,  Rajesh Panicker ,  Yohan Santos ,  Stephen Wilson ,  Carrie A Read ,  Michael Brown ,  Robin A Rose

IPC分类号： G06Q40/08 ,  G06N7/01 ,  G07C5/08

摘要： A method of identifying a vehicle total loss claim includes retrieving a plurality of historical vehicle records, labeling the records as repaired or total loss, calculating mean cost values, training a regression model, optimizing a probability threshold, analyzing a plurality of inputs to generate a prediction, and transmitting the prediction. A computing system includes a transceiver; a processor; and a memory storing instructions that, when executed by the processor, cause the computing system to receive answers, transmit the answers, receive a prediction, when the prediction is repairable, generate a repair suggestion, and when the prediction is total loss, generate a settlement offer. A non-transitory computer readable medium containing program instructions that when executed, cause a computer to receive answers, transmit the answers, receive a prediction, when the prediction is repairable, generate a repair suggestion, and when prediction is total loss, generate a settlement offer.