The insurance and automotive ecosystems currently face a revolutionary business process innovation: harnessing maturing technologies to add considerable value to the digital claims and collision repair process. With an abundance of mobile technologies and machine learning capabilities available, properly combined with expertise, powerful data and content, breakthroughs are possible for all stakeholders to unlock significant value by employing a new, modern workflow where the time from initial incident to claims resolution is significantly reduced and the consumer experience exponentially improved. 

With advanced telematics, connected vehicles, augmented driving programs and the like, driving and insuring a vehicle has changed dramatically in the last 20 years. The data gathered through insurance monitoring programs and manufacturer reporting can be used to not only shed light on driver behavior for advancements in safety, but also to predict vehicle damage and assess repair costs.  

Solera  has been studying the practical application of AI and machine learning in regard to vehicle damage assessment through guided image capture. This technology utilizes AI to accurately identify vehicle damage and automate an initial estimate. The company’s proprietary solutions combine advanced photo analytics and next-generation mobile claims technology, supported by a robust database composed of global data assets. 

Solera’s solution  also allows drivers and assessors to model and report light, cosmetic* vehicle collision damages  through guided image capture and markup tools. This in turn allows the repairer, after accessing the images, to determine what parts are needed for the repair prior to the vehicle leaving the scene of the accident—thus the wait time for parts can be significantly reduced and the claim settled at a much faster rate.  

With reduced cycle times and more accurate repair diagnoses, more vehicles can be repaired and returned to customers in their original state, improving overall vehicle safety. Additionally, total losses can be more appropriately and factually determined, reducing the number of hazardous vehicles on the road. 

Users of these technologies can make better decisions for their businesses and in turn serve customers with greater care, fulfilling a higher mission to provide convenience and transparency in the handling of their vehicle. 

*Cosmetic auto collision damage claims are defined as external only damage of $2,500 or less, for a drivable vehicle that did not deploy airbags. 

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