Cases

August 19, 2015

IngoView — Mobile App for Car Inspection

COMPREHENSIVE INSURANCE is the second important service provided by the insurance companies and the most vulnerable one for insurance frauds. Therefore, the quality of surveys and reliability of photofixation are very important. Often it happens so that after the underwriting the car inspection should be repeated. For this reason, only the certified agents, who were trained by the company, are allowed to inspect the cars in Ingosstrakh.

As a result, the bureaucratized system and unstable quality of work act as a serious barrier for insurance company to develop effective service and attract new clients.

EastBanc Technologies suggested Ingosstrakh to transform the procedure of COMPREHENSIVE INSURANCE execution by means of a corporate mobile application allowing to carry out the complete procedure of car inspection.

Such solution provides correct car inspection by the approved technology, high quality photofixation, and protection against possible frauds at visual inspection.

Along with the quality assurance and safety of car inspection, the mobile app considerably reduced costs of the company for personnel training and purchase of office cameras. Now it is enough for an agent to download the app onto the smart phone to carry out the inspection by the right algorithm step by step and take all necessary pictures.

Now it is enough for an agent to download the app onto the smart phone to carry out the inspection by the right algorithm step by step and take all necessary pictures.

Authorization in the app
  • To authorize in the application the agent has to enter personal data, agent agreement, employment contract, and letter of attorney data. The data is verified with database of the insurance company, and, if everything is correct, the mobile device is registered and attached to the agent.
  • For the security reasons the agent is able to use the app only on one smart phone. If devise is changed to another one, it must be registered again.
Meeting Planning

Agent finds the needed agreement and plans a meeting with the client to carry out the inspection. The meeting is automatically set in the calendar with the reminders an hour before the assigned time.

Car Inspection Process

The car inspection is held by the strict algorithm.

  • All details of the car are completely recorded. The application step by step carries out the procedure of visual inspection, shows what detail needs to be photographed. Moreover, in the photo editor user can find the masks for correct photography and examples of correct photos.
  • If there are any damages or additional equipment in the car, user should record them all in the app and photograph by the masks.
  • To fight the frauds, the time for the inspection is limited by 30 minutes and the view around the car is also photographed. The geo-location of each photo is identified.

To fight the frauds, the time for the inspection is limited by 30 minutes and the view around the car is also photographed. The geo-location of each photo is identified.

Data Transferring to the Insurance Company

The agent can report results right after completion of the inspection or any other convenient time. Thus, the underwriters get the surveys to check regularly during the day.

For convenience the agent can determine communication channel for Wi-Fi, LTE, and 3G for all agreements, and for separate one. The status of photoset transfer to the insurance company is visual.

The successfully transferred inspection is available to view in the separate app section.

Results of the implementation
  • Agents now cannot break the technology of the car inspection carrying out. All actions are done in accordance with the pre-set algorithm.
  • Agents do not need to be certified and trained for car inspections. It is enough to have iPhone or Android devise.
  • The underwriting specialists get the request regularly during the day.
  • The possibility of frauds is very little.

 

August 19, 2015

See also