Automation - Claims Process

How to set up the Mohawk Automation (API) for streamlining the claims process.

Mohawk Automation (API)

The Legentic Mohawk Automation (API) is our direct connection to our data. This document gives you a few best practices. Our API is perfectly suited for automating standard processes. This documentation is written for a standard insurance claims process. The documentation will be applicable in other areas by extending the logic presented here.

This part of the documentation is concerned with automating the insurers' internal processes.

Claims Automation

Situation: you are trying to integrate and automate incoming claims with the Mohawk Automation (API).

Best practices: we suggest you start with a single category (cars, for example) and build your automated processes from that position. We propose to run all incoming car claims through our API endpoint in order to get maximum coverage.

Benefits: every claim is given extra information (where available) which can be used at a later point in time, or during the classification of claims entering the system. This solution (other than integrating in the Fraud Process) allows for all claims to receive additional information.

The claims process

There are 2 distinct ways license plates move, they either follow the owner or the vehicle. Depending on the legislation of the country, the licence plate of a car might follow the vehicle, or it might follow the owner. (Of course, there’s also the third option, where it follows neither and a new plate is always issued after a sale.)

We will work out the case where the licence plate follows the vehicle (as opposed to the licence plate following the owner). If you want to follow the history of a vehicle and the licence plate follows the vehicle, you can easily create a simple query.

The licence plate follows the vehicle

Example query for integration. Suppose a claim comes in to your system with license_plate = DN94214.

You can build the following code in (for example) python.

Python:

import requests

url = 'https://api.mohawkanalytics.com/classifiedads/gb/v1/license_plate/count'

headers = {'API-Key':'<YOUR_API_KEY>'}
data = {'registry_plate':'EN18UWW'}

resp = requests.post(url,data=data, headers=headers)

print(resp.json())

{'count': 3,
 'registry_plate': 'EN18UWW',
 'search': {'endpoint': 'https://api.mohawkanalytics.com/classifiedads/gb/v1/license_plate',
  'registry_plate': 'EN18UWW'}}

From the /license_plate/count path, you can learn that there are 3 entries in our Norwegian (NO) dataset with this license plate. Further information can be found by looking at the contents of that data. 

Python:

import requests

url = 'https://api.mohawkanalytics.com/classifiedads/gb/v1/license_plate'

headers = {'API-Key':'<YOUR_API_KEY>'}
data = {'registry_plate':'EN18UWW'}

resp = requests.post(url, data=data, headers=headers)

print(resp.json())

Where the following response is given:

...
 'count': 8,
 'documents': [{'fields': {'author': 'Pulman SEAT',
    'image_url': 'https://cdn-csnetworkstock.s3.amazonaws.com/ford/kuga/57159/40817473/ford_kuga_1_l.jpg',
    'page-title': 'Used 2018 Ford Kuga 2.0 TDCi 180 Titanium X 5dr Auto Not Specified 32,120 miles in white for sale | CarSite',
    'classifiedads_id': 'www.carsite.co.uk-c6f4458c',
    'url': 'https://www.carsite.co.uk/used-car/ford/kuga/hcp_d-3be6428c_c6f4458c',
    'license_plate_number': 'EN18UWW',
    'published_estimated': '2022-07-11 07:19:58 +0000',
    'price': '18500.0',
    'name': 'Used 2018 Ford Kuga 2.0 TDCi 180 Titanium X 5dr Auto in Sunderland',
    'location': 'Burntland Avenue, Sunderland, Durham SR52ET',
    'author-uri': 'https://www.carsite.co.uk/dealers/pulman-seat-hcp_d-3be6428c',
    'text': 'Ford Kuga £18,500 2.0 TDCi 180 Titanium X 5dr Auto Call the dealer Click to call the dealer Mileage: 32,120 Transmission: Automatic Doors: 5 Engine Size: 2000 cc Body Style: - Fuel Type: Diesel Colour: white Registration: EN18UWW Year: 2018 Price: £18,500 Pulman SEAT Description Bluetooth system, EPAS, Rear parking sensor, SYNC Emergency Assistance, Trip computer, Auxiliary socket for external device, Remote audio controls on steering wheel, USB connection, Auto dimming rear view mirror, Automatic headlights, Bi-Xenon headlights with dynamic bending and active beam shape, Body colour bumpers, Body colour rear spoiler, Electric folding mirrors, Electric panoramic glass sunroof, Electrically heated door mirrors, Front scuff plate, Headlight washer jets, LED daytime running lights, LED tail lights, Power front and rear windows, Quickclear heated windscreen, Rain sensor windscreen wipers, Rear diffuser, Tailgate wash/wipe, Twin exhaust pipes, 10 way electric power adjustable drivers seat, 6 way manually adjustable passenger seat, 60/40 split/folding rear back and cushion, Auxiliary power socket in luggage area, Centre console with stowage tray/bottle holder/CD stowage/front and rear 12V power point, Driver seat lumbar adjustment, Driver/passenger front seatback pockets, Dual electronic automatic temperature control, Folding rear centre armrest, Footwell courtesy lights front and rear, Front floor mats, Front head restraints, Front overhead courtesy lights with theatre style dimming and delay, Front/rear reading lights, Gearshift paddles, Heated front seats, Isofix system on outer rear seats, Leather gearknob, Leather steering wheel, Multi-colour ambient interior lighting, Passenger lumbar support, Reach + rake adjustable steering column, Rear floor mats, Rear head restraints, Salerno leather upholstery, Sports style front seats, Stowage unit in upper instrument panel, Tie down hooks, Tonneau cover, Variable intensity instrument illumination, 3 point seatbelts on all 3 rear seats, ABS/EBD, Driver and passenger airbags, Driver and passenger side airbags, Electric traction assist system, Electronic parking brake, ESP+EBA, Front and rear curtain airbags, Hill start assist, Intelligent Protection System (IPS), Tyre pressure monitoring system, Immobiliser, Keyless entry system with hands free boot opening, Keyless Start, Locking wheel nuts, Remote central locking, Thatcham Cat.1 alarm, Mini steel spare wheel, Follow this link Used Ford Kuga in Sunderland to search for other Ford Kuga local to Sunderland. Click this link Ford Kuga in Tyne and Wear to widen your search to the whole Tyne and Wear area. Ford Kuga £18,500 2.0 TDCi 180 Titanium X 5dr Auto Call the dealer Click to call the dealer Mileage: 32,120 Transmission: Automatic Doors: 5 Engine Size: 2000 cc Body Style: - Fuel Type: Diesel Colour: white Registration: EN18UWW Year: 2018 Price: £18,500 Pulman SEAT Description Bluetooth system, EPAS, Rear parking sensor, SYNC Emergency Assistance, Trip computer, Auxiliary socket for external device, Remote audio controls on steering wheel, USB connection, Auto dimming rear view mirror, Automatic headlights, Bi-Xenon headlights with dynamic bending and active beam shape, Body colour bumpers, Body colour rear spoiler, Electric folding mirrors, Electric panoramic glass sunroof, Electrically heated door mirrors, Front scuff plate, Headlight washer jets, LED daytime running lights, LED tail lights, Power front and rear windows, Quickclear heated windscreen, Rain sensor windscreen wipers, Rear diffuser, Tailgate wash/wipe, Twin exhaust pipes, 10 way electric power adjustable drivers seat, 6 way manually adjustable passenger seat, 60/40 split/folding rear back and cushion, Auxiliary power socket in luggage area, Centre console with stowage tray/bottle holder/CD stowage/front and rear 12V power point, Driver seat lumbar adjustment, Driver/passenger front seatback pockets, Dual electronic automatic temperature control, Folding rear centre armrest, Footwell courtesy lights front and rear, Front floor mats, Front head restraints, Front overhead courtesy lights with theatre style dimming and delay, Front/rear reading lights, Gearshift paddles, Heated front seats, Isofix system on outer rear seats, Leather gearknob, Leather steering wheel, Multi-colour ambient interior lighting, Passenger lumbar support, Reach + rake adjustable steering column, Rear floor mats, Rear head restraints, Salerno leather upholstery, Sports style front seats, Stowage unit in upper instrument panel, Tie down hooks, Tonneau cover, Variable intensity instrument illumination, 3 point seatbelts on all 3 rear seats, ABS/EBD, Driver and passenger airbags, Driver and passenger side airbags, Electric traction assist system, Electronic parking brake, ESP+EBA, Front and rear curtain airbags, Hill start assist, Intelligent Protection System (IPS), Tyre pressure monitoring system, Immobiliser, Keyless entry system with hands free boot opening, Keyless Start, Locking wheel nuts, Remote central locking, Thatcham Cat.1 alarm, Mini steel spare wheel,',
    'category': 'Kuga'}},
...

Note: that you can also limit the results by searching over the most recent period (last three months, for example) by passing this as a parameter.

date_start = '2020-01-01'
date_end = '2022-01-01'

 

Python:

import requests

date_start = '2020-01-01'
date_end = '2022-01-01'

url = 'https://api.mohawkanalytics.com/classifiedads/gb/v1/license_plate'

headers = {'API-Key':'<YOUR_API_KEY>'}
data = {'registry_plate':'EN18UWW', 'limit':'20', 'date_start': date_start ,'date_end': date_end }

resp = requests.post(url, data=data, headers=headers)

print(resp.json())

 

 

 

Ignoring the date-range, we can see that there are three vehicles sold:

 

From interpreting this data, a few interesting points become clear:

• Thor Egil Øvrebotten is (very likely) the same owner with two attempts of selling the car (11k NOK and 9k NOK) and the owner of the phone number: 90418543.

• The car has been sold two times in the last 7 years. Most recently in 2019.

• The price has consistently gone down over time (as expected).

 

Internal application

The information can now be added to the customers' internal system (claims handling system) as either:

• Pure JSON: directly grabbing the result of the search query and adding this to the claim.

• Specific fields integrated into customers' system: grabbing specific elements (e.g. name, location) and adding those fields to the customers' system. This can be used directly in internal models.

 

Data signal application

This information can be used as a signal in the identification process by implementing logic on the customer side. In pseudocode, think about:

• IF price OVER time goes UP, THEN throw a warning.

• IF price of vehicle last sold is LESS THAN claims amount, THEN throw a warning. 

• IF author associated with claim EXISTS IN blacklist* THEN throw a warning.

*list of unwanted customers or previously identified as fraudulent customers.

 

These examples are worked out in code and can be found in our use cases section.