Claims Agent _ a Packaged Solution for Insurance Adjusters

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Handheld

Mobile Computing Product Catalog
ClaimsAgent^TM2.0

Executive Overview
Wireless, hand-held, mobile computing is here! This technology benefits commercial and governmental sectors with increased efficiency and mobility. For insurance property claims adjusters, ClaimsAgent^TM, as part of the Adjuster’s Attaché integrated solution set, delivers maximum reliability and speed for processing claims using a comprehensive software package installed onto a hand-held, pocketPC.

Easy claim data entry, an onboard estimation database, wireless Internet connectivity, and automatic estimation software are among the features to aid the adjuster in increasing productivity. As a result, adjusters can provide more accurate estimates to better serve the insured, and immediately file reports securely with their carrier via the Internet. Before the adjuster leaves the property, the claim is complete, eliminating the costly and wasteful time of returning to the office to write the report.

ClaimsAgent^TM provides the following functions:

Complete Property Claim Automation
Onboard Loss Estimate Data
Accurate Claims Calculations
Infrared Portable Printing Capability
Wireless Report Transmission
Enterprise Data Integration

Introduction
The advances in hand-held computing devices which take advantage of wireless Internet connections hold great rewards for the insurance industry. As the industry becomes more competitive after the passing of the Financial Services Modernization Act, companies will need to implement progressive technologies to streamline operational costs and, at the same time, increase productivity and turn around time for claims.

Currently, laptop computers generate property loss reports from sites. The introduction of the PocketPC and ClaimsAgent^TM solution renders that mode of recording information obsolete. Convenience, mobility and speed are key motivations to adopt the hand-held tool. ClaimsAgent^TM features a formidable arsenal of utilities including: pen-based entry, real-time estimates, renovation and insurance repair cost database, data encryption, infrared printing, Internet connectivity, XML business data exchange, digital camera integration and instant uploading to back-end claims processing systems. These utilities work in concert to insure the timely and accurate dissemination of facts for both insurance agency and insured.

In the field, with the hand-held PocketPC, the adjuster is free to scope and estimate the loss, while documenting claim sites without the concern of balancing unwieldy laptops, and the hassle of their long boot-up times and all too short battery lives. This enhanced mobility eliminates costly, inefficient processes of inputting information after an interview, or potentially having to return to the site to verify details missed during the initial claim process. The ClaimsAgent^TM solution also guarantees the rapid delivery of a settlement by completing the claim in the field, complete with digital photos, and submitting it to the back-end claims processing system over a secured wireless Internet connection. These advances ensure greater accuracy in processing claims for the insurance carrier, and increased productivity for individual adjusters, freeing them to handle more claims in the same amount of time.

Benefits
The lightweight and convenient properties of wireless hand held computing systems make them essential tools for those businesses looking to increase productivity and streamline operation costs. Incorporating this technology into an agency’s or carrier’s operating plan creates the advantage of instantaneous transmission of data and pictures for automatic integration into a corporate enterprise. ClaimsAgent^TM reduces claim processing time and cost for the adjuster. This integrated software solution completes the report on site at the property – eliminating the need to go back to the office and produce a report – freeing the adjuster to handle more claims per day, more accurately and efficiently.

A carrier depends on automation and speed during the claims process. To realize this necessity, a modern claims processing system employs web-based software components: Java Servlet, XML (eXtensible Markup Language) and EJB (Enterprise Java Beans) technologies, all of which can be easily used to process a report generated by ClaimsAgent^TM. Once the carrier receives the claim report, the carrier processes the report immediately for secure viewing on the Internet or Corporate Intranet upon request. EigenSoft, Inc. provides simple templates for viewing the report on a web browser.

Features
The features available in the EigenSoft ClaimsAgent^TM Integrated Claims Adjuster Solution (Homeowner Property Loss Version) include, but are not limited to, the following items:

ClaimsAgent^TM Application pre-installed on a PocketPC device
Property Loss Notification data import via Internet based wireless messaging
Automatic Estimation Calculation
Customizable user preferences, password protection
Automatic Program Installation for database and version upgrades
Custom Estimation Overrides
Custom Template Estimate Entries
Depreciation data entry
Built-in Craftsman claims national estimate data package
Screen view menu and navigation bar
Automatic report generator
Complete report form infrared (IrDA) printing package for the following reports:

Summary Report
Loss Estimate
Depreciation Schedule
Non-Waiver Agreement
Proof of Loss Statement
PILR
Holdback

Wireless Claim Report transmission to insurance carrier
Custom integration with the insurance company enterprise
Synchronization with desktop computer
XML business exchange

The Adjuster’s Attaché
Make the road your office! With the comprehensive Adjuster’s Attaché, the modern insurance professional will have all the tools needed to fully estimate a property claim on site, pre-assembled in a convenient aluminum carry all. The Attaché contains the following implements designed for mobility and reliable service:

Compaq iPAQ PocketPC Model 3650
Compaq iPAQ Type II Sleeve (PCMCIA) with CF adapter
Compaq iPAQ cigarette lighter recharger
Sierra Wireless AirCard 300 Modem
ClaimsAgent^TM Application Software
32M Compact Flash Storage Card
HP PhotoSmart 315 xi Digital Camera (or comparable model using standard CF cards)
HP DeskJet 350Cbi Portable IrDA Printer (or Canon BJC-85)
National Wireless Internet Access Account e.g. GoAmerica, GTE etc.
User Manual
Supporting Data and Power Cables
Durable aluminum attaché case
For those adjusters requiring a more resilient hand-held device, EigenSoft offers the Casio Cassiopeia

Using ClaimsAgent^TM

The following represents an adjuster’s claims process scenario:

The Insurance company or carrier receives a call or notice from the insured concerning a claim.

The carrier records the claim, generates a property loss notice and e-mails it to the designated adjuster.

The adjuster connects to the Internet and retrieves e-mail(s)/notice using the mobile device and wireless modem, then terminates the Internet connection.

The adjuster runs the ClaimsAgent^TM software and opens one of the e-mailed property loss notice files containing the initial claim summary data, (Insured info, location, type of loss, etc.), which is automatically entered into the appropriate ClaimsAgent^TM loss report fields.

The adjuster completes the remaining property loss information on-site, while inspecting the property. They enter relevant claim information into the ClaimsAgent^TM including detailed loss estimate information.

For the data the adjuster enters, ClaimsAgent^TM automatically calculates the total estimate.

Photographs may be included with the adjuster’s report, using the digital camera to transfer images to the ClaimsAgent^TM application via a standard CF storage card (an infrared transfer is planned for future release)

Once the adjuster has reviewed the loss information and is satisfied with the report, a paper copy of the estimate and any applicable forms are printed using a portable infrared printer. The claimant receives a copy of the report.

Finally, to transfer the claim report to the carrier, a wireless modem reestablishes an Internet connection. Using ClaimsAgent^TM, the adjuster transfers the complete report to the carrier, to finish the process.

The adjuster uses the mobile device to review the next claim, check their e-mail, or whatever application aids them in the efficient execution of their daily professional activities.

Notes:

Once a combination Type II PCMCIA and CF card jacket becomes available for the iPAQ, the need to use the CF adapter during the field adjuster claim process would be eliminated.
Wireless Internet access availability and technologies are constantly changing. Accordingly, this functionality is determined by individual customer/geographic requirements.
EigenSoft, Inc. is available to provide complete customer back-end claims data integration with existing enterprise systems.

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