Recently, CCC Information Services Inc. (CCCIS), the world's leading insurance technology company, launched the industry's first intelligent human injury solution by integrating advanced technologies such as Internet of vehicles, artificial intelligence, injury science and risk control model, bringing comprehensive and sustainable human injury management to insurance companies.
Since its founding in 1980, CCCIS has been providing technology enabling services to the automotive insurance and aftermarket industries, providing leading information technology and solutions related to automotive insurance, aftermarket, personal injury management, networking of vehicles, and artificial intelligence. To date, CCCIS has served more than 350 insurance companies, more than 25,000 repair companies, and thousands of parts suppliers across the United States. After decades of customer service accumulation, CCCIS system has accumulated more than hundreds of millions of car damage claims, tens of billions of pictures and hundreds of billions of dollars of compensation, thus laying a solid foundation for data analysis and application as well as the creation of intelligent solutions.
CCCIS intelligent human injury solution is an intelligent management solution carefully created by CCCIS on the basis of its 30 years of deep research in the field of human injury, annual review of tens of billions of dollars of medical bills, processing tens of millions of pages of paper medical data, and integration of hundreds of millions of historical car damage claims in the related system. As the industry's first vehicle/property damage service and human injury prediction, And establish a solution of data science correlation relationship between the two, covering the automatic human injury workflow, through the damage science intelligent prediction of human injury after the vehicle accident, for injury prediction and prediction.
At present, the processing of human injury in the field of auto insurance claims in China is still in the early stage of electronic, lack of structured data and refined risk management and control, and the judgment of injury is extremely short of automatic scientific management and control, coupled with the intervention of industry "scalpers", insurance companies in the field of human injury compensation thus produced a lot of compensation leakage and risk; What is more worrying is that the proportion of human injury compensation in the auto insurance plate increases rapidly year by year. If the technology is not ready, it will become a bottleneck that seriously restricts the development of auto insurance.
CCCIS is well aware of the pain point of domestic insurance companies, that is, it urgently needs the assistance of advanced technology and industry data for scientific management of human injury compensation and prediction of human injury after vehicle accident. In view of this, CCCIS will gradually introduce the following advanced intelligent human injury solutions into the domestic market in stages. To provide scientific and technological assistance for the insurance company's management of human injury compensation.
Intelligent report - "turn passive into active" service customers
In the past, after the customer's vehicle accident, insurance companies often wait until the customer reports to "passively" provide services, resulting in insurance company service lag and injury when the "scalpers" opportunity.
Now, CCCIS intelligent report integration of vehicle networking technology, in the first time of the accident through the vehicle sensor automatic report for customers, and integration of human and vehicle damage science, can predict the degree of vehicle damage and personnel injury. Through the intelligent reporting platform, customer service staff can immediately understand the accident situation and actively communicate with customers. At the same time, according to the system, the car damage and injuries can be calculated, and then the rescue and first aid measures can be arranged. Thus, the insurance company will transform the traditional passive service into the future active service, effectively reducing the risk of "scalpers" getting involved in accidents before the insurance company.
Intelligent human injury workflow - fast aid decision
CCCIS intelligent human injury workflow, driven by workflow engine, covers all important links of the entire human injury claim settlement operation by integrating vehicle networking, human injury model and AI model. In the current situation of extremely tight medical manpower, early case judgment, automatic assignment. Quick one-click compensation for small cases, graded special personnel and special post processing for large cases, and accurate compensation for death and disability cases.
At the same time, the human injury workflow can assist front-end operators to quickly and standardized human injury treatment, and back-end auditors to control the risk of improper compensation; Based on the medical ontology and a large number of trauma experience data, cases and norms, supported by AI reasoning engine and medical knowledge base, the intelligent trauma medical algorithm realizes quick decision and compensation for small cases, and provides auxiliary decision support services such as injury situation, rehabilitation and treatment costs for large cases.
Human Injury Model -- Human injury Management based on injury Science
CCCIS human-vehicle injury model is the only solution in the industry that combines the correlation between vehicle damage and human injury, interprets the possibility of human injury and related treatment programs and cycles. The human-vehicle injury model is created by former NASA scientists affiliated to CCCIS. It is a data model formed by associating a large number of human tissue models of NASA with vehicle collision models, and through machine learning of hundreds of millions of car damage and human injury cases in history.
The human-vehicle injury model of CCCIS runs through the entire management process of human injury claims, from the early human injury prediction and risk investigation, to the diagnosis and treatment plan and the prediction and control of compensation amount in the inspection/tracking stage, as well as the risk control of damage/claim verification, associating vehicle damage with human injury.
The vehicle damage and human injury matching model owned by CCCIS is derived from its own accumulation of more than 30 years of auto insurance claim data, ensuring a high degree of accuracy. Through such a model, it can accurately and effectively inform claims adjusters of possible injuries, treatment plans and treatment cycle, so as to quickly and effectively solve the current problem of mutual distrust between insurance companies and consumers.
Intelligent risk control -- comprehensive risk control of human injury cases
Intelligent human injury risk control management is based on refined human injury data, and based on three risk control models -- human injury model, intelligent fraud prevention model and refined risk control model, to conduct comprehensive risk control of human injury cases.
Intelligent risk control module runs through the whole process of human injury management: from the rationality of injury reporting in the early stage, to the risk control of tracking and loss determination, and then to the risk report in the nuclear loss stage, including the risk involved in litigation and the rationality of disability. The scope of management and control covers the risk related to vehicle damage and human injury, injury treatment/examination, medication, old injury, complications/sequelae, overtreatment, disability, litigation and other aspects.
Combined with intelligent risk control model and automatic operation flow, reasonable resource allocation can be carried out more effectively, so as to achieve one-click quick compensation for small cases, hierarchical compensation for big cases, early intervention for death/disability, and achieve one-step effect. Through the system to assist efficient processing, special personnel to carry out special processing, effectively reduce the current human injury claims lack of resources, lack of experience.
CCCIS Intelligent human Injury Solution is built by a group of top data scientists, and combined with the system's decades of best compensation case foundation, generated by the best industry practice. The gradual introduction and further implementation of this solution in China will help domestic insurance companies to conduct more accurate and efficient personal injury claim management based on accurate data model and scientific data analysis in the future, to provide customers with better claim services, and more importantly, to step by step solve existing diseases and maladies in the industry, such as medical fraud, excessive medical treatment, medical scalpers, etc. At the same time, the contradictions between Chinese insurance companies and doctors and patients under the traditional mode can be alleviated.
