Esurance Launches Video Appraisal App

INN Breaking Information, March 17, 2014

Bob Violino

Esurance, a direct-to-client private insurance coverage business, announced a new mobile attribute that it’s calling an sector first: video appraisal, which permits buyers to video chat in genuine-time with an Esurance appraiser to get their claim estimates instantly.

The San Francisco-based company, which offers car, house owners, motorbike and renters insurance coverage direct to shoppers and by means of sister firm Reply Economic, says the video appraisal characteristic is developed to consider away some of the pressure and time involved in dealing with a car insurance claim.

The mobile app is available on the latest version of Esurance Mobile, and enables shoppers with eligible car insurance claims to video chat with an Esurance appraiser making use of their smartphone, which can remove the want for an appraiser to inspect the automobile in person, Esurance says, conserving buyers the time of scheduling appointments and waiting for payment processing for their claims.

The total process for a video appraisal can be fast and simple, the organization says, and at the conclusion an Esurance appraiser can send an electronic payment to settle the declare, possibly receiving a claimant back on the street more rapidly than employing a classic in-individual appraisal.

Normally, the length of time between scheduling a automobile inspection and obtaining back on the street is a crucial time period for consumers and insurers alike, the firm says.

“Video appraisal is based on a Web companies application, which uses WebRTC [Net Genuine-Time Communication] as a core component to stream video and voice,” says Joe Laurentino, Esurance VP of material damage. The connection among a customer’s mobile device and Esurance appraiser is peer-to-peer and allows for a direct connection, Laurentino says.

Joe Laurentino, Esurance

Calls making use of this sort of connection do not send voice and video information by way of a centralized server, but rather use firewall traversal protocols, such as Interactive Connectivity Establishment, to enable a direct connection. A combination of different programming languages including Objective C, C++, Java, .NET and JavaScript were utilized to code the app, Laurentino says.

The video appraisal characteristic, which is obtainable for each Esurance policyholders as effectively as non-policyholders who have a declare with Esurance, lets buyers routine video appraisals at practical occasions for them get an appraisal without obtaining to leave their auto in the store and get a harm estimate and payment correct away.

During the appointment, an appraiser will show the claimant how and the place to video the harm, which enables the appraiser to give an appraisal in true-time via the Esurance mobile app.

Esurance Mobile is accessible for free of charge download on iTunes or Google Play, the organization says. Video appraisal functions on either Apple and Android products with front and rear cameras and at least iOS 7 or Android 4.+ operating systems.

Customers need to download the Esurance Mobile app, have an open eligible declare, a very good signal, a 4G LTE connection, and carry out the appraisal in a properly-lit spot with access close to the complete automobile.

Laurentino first came up with the concept for virtual appraiser 3 many years in the past. “Many buyers are previously employing Facetime, Skype and other apps to talk practically, and we sought to recreate that type of knowledge and apply it in a way that was a win/win for Esurance and its customers,” he says.

“Customers can even now get a personalized interaction with us, but they can use technologies that they carry all around in their pocket ever day — their smartphone,” Laurentino says. “We have a specially qualified claims group to take care of these appraisals, and they have fantastic non-verbal communications skills that lend themselves to producing a really private expertise throughout the video chat.”

With the new mobile app, the company is aiming to increase buyer fulfillment by settling claims more rapidly. “Esurance is the very first insurance coverage organization to use video chat as a powerful organization device with real payouts to the customer in terms of time cost savings, and to the organization in terms of productivity and efficiency,” Laurentino says.

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