Colossus is a computer software program that calculates the settlememnt value for car accident injury cases for at least half of the insurance claims in the United States.
Colossus was first licensed and popularized by Allstate in the 90's. Allstate turned to Colossus because they wanted to standardize their claims. Allstate also turned to this program because it was billed as a means to save money on payouts. The system also identifies those lawyers who will not file a suit and are willing to settle for the best offer that they can get.
Colossus® is the insurance industry’s leading expert system for assisting adjusters in the evaluation of bodily injury claims. Colossus provides adjusters access to your company’s claims data within a defined business process management framework for evaluating injuries, treatment, resolution, impairment and general damage settlements. Wolfenstein 2 The New Colossus Walkthrough Gameplay Part 1 includes a Review and Mission 1 of this Wolfenstein II The New Colossus Walkthrough for PS4 Pro, X. High-performance infrared imaging systems and flue gas temperature measurement tools that enable performance engineers and operations managers to maximize combustion efficiency while minimizing unplanned boiler and furnace outages.
There are two similar products widely used by insurance companies: 'Claims Outcome Advisor' (made by Insurance Services Office) and 'Claims IQ' (made by Mitchell International.) Mitchell also sells 'Mitchell Decision Point,' a similar software program that helps insurance companies determine if they should pay the doctor's entire bill in PIP/Med Pay claims.
Colossus' system has a hidden and secret rules-based system to convert a series of inputs about the nature and severity of injuries into a relative numeric score of conscious pain and suffering. Marvelous designer 7 for mac download free. There is nothing wrong with this in theory. All civil claims are about reducing the human experience of suffering into a dollar amount. However, using Colossus to evaluate personal injury claims can be unfair to personal injury victims.
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- Value of your case based on the type of injuries you suffered
- Value of your case based on the type of accident you suffered
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Colossus considers some preliminary matters before looking at your case. It considers whether your attorneys have a record of taking their cases to court if they get an inferior offer or whether they always just take the best offer given by the insurance company. It considers the jurisdiction in which the claim arises. Importantly, the program contains approximately 600 injury codes representing the various types of personal injuries that can occur. These injury codes have a 'severity value' and assigns money for each severity point the Plaintiff 'earns', so to speak. It performs a calculation to attribute severity points to Plaintiff's claims. It also conveniently ignores that there are over 12,000 ICD-9 codes used by healthcare providers to classify or categorize injuries.
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How Colossus Actually WorksThe premise behind Colossus is not a bad one in theory. Human pain and suffering can be converted to a numeric score (the computer calls it a 'severity score') by a system of rules that are applied evenly so that the value of the case did not rely on the subjective judgments of the adjuster. Colossus has over 10,000 rules to determine the questions that the system will ask the adjuster to generate a payout.
However, insurance companies do not understand the 10,000 rules. Or the insurance companies don't care. They just know that Colossus calculates insurance payouts in a way that advances their mission of paying out as little as possible.
After consideration of the attorneys involved and the venue, the system counts up the points and computes a dollar value. There is no question that a big value driver for the formula - and for juries, incidentally - is a permanent injury. They at least get this part right.
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By using this system, insurance companies will try to decrease the value of your claim. They will not take into consideration in its evaluation the X-factors: stress, pain, inconvenience, loss of enjoyment of life, loss of consortium (relationship), inability to participate in the things that you enjoy most, or any number of other things that juries and even judges will consider.
Essentially, the problem with any Artificial intelligence is just that: artificial.
Occasionally, this paradoxically helps clients because these computerized systems that compute approximate values for cases incorrectly assume that a particular injury had a greater impact on the patient than it did. Keykey 2 6 – typing tutor. Sometimes we will get an especially unsympathetic client who was not affected a great deal by what happened to them in spite of the clear documentation of pain and hardship in the medical records. This client does better with such an unfeeling system.
But more likely, the opposite occurs. There is no calculator that can value the pain and suffering, how an injury impacted a person's life. Accordingly, your counsel must adequately articulate why your case is different or be prepared to file suit and begin the real battle. Judges and juries listen and consider many of the factors that this formula ignores because it does not understand them. Maryland juries make distinctions based upon whether or not they think the Plaintiff is an honest and kind person, who has suffered as a result of their injuries. Tragically, this program barely distinguishes between a heroin addict and nun. Juries get the difference. Mathematical calculators don't.
In fact, Maryland juries are the antithesis of these in terms of how the claims are valued. These insurance companies use Colossus as a 'cost containment' as a weapon to increase profits even more at the expense of injury victims, including their own insureds. Colossus also has the flexibility that allows insurance companies to fine-tune the results. Numbers are coming back higher than the insurance company thinks they should? Well, you can just arbitrarily reduce the claims by a given percentage across the board.
Colossus encourage adjusters with very little medical training to second guess the patient's treating doctor. Some adjusters are encouraged to alter important details of medical reports and select injury codes that will yield smaller settlement offers. The best way to do this is to encourage the adjuster to screw around with the final prognosis codes. The dynamic here is clear: a bad computer evaluation system is being engineered to give even lower results.
2019 Update: Colossus Steps Boldly Out of the ClosetBack in the old days, the discussion of Colossus with insurance companies was taboo. Sure, the 'cool' adjusters who talk out of school would mention in with breathless secrecy. But generally, when you tried to call out the adjuster or joke about it ('What does Colossus.. I mean you, think of this case?') you got little to no response. Well, now it is out in the open. Adjusters will talk about it openly. I guess they figure every lawsuit that can be filed over Colossus has been filed so we can now stop trying to sweep it under the rug.
There are also companies in 2019 to try to game the system to by writing demand packages that are intended to beat Colossus such as SPIN's Quad Video HALO.
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The idea is to combat Colossus' insurance claims software program with another program designed to present claims in a way to defeat Colossus.
These types of programs have gotten mixed reviews from personal injury lawyers. Some believe the technology is game-changing in terms of increasing the settlement values in these cases. Others report more mixed results.
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