Abstract: An Internet-enabled method and system for processing insurance claims. The system may include an insurance claim processing server which is configured to estimate a value of an insurance claim as a function of insurance claim assessment data entered by a user during an insurance claim consultation session. The insurance claim assessment data may include one or more bodily injuries and one or more treatments of the bodily injuries. The insurance claim processing server may include a rules engine and a web server which may be executable to generate and send to a client computer system a plurality of web pages comprising insurance claim assessment questions. The client computer system may be coupled to the insurance claim processing server through a network such as the Internet. The client, including a web browser, may be operable to receive the insurance claim assessment data entered by the user and send the insurance claim assessment data across the network to the insurance claim processing server.

Abstract: In various embodiments, a user may communicate with an insurance claim processing system using a data structure language message (e.g., XML messages). After assessing (e.g., parsing) a received XML message, an insurance claim processing system may perform a calculation or an action on a database. In some embodiments, calculations may include bodily injury trauma severity calculations. In some embodiments, actions may include deleting an insurance claim from the database, sending information about the insurance claim to the user system, receiving information about the insurance claim from the user system, or receiving settlement information for an insurance claim from the user system.