Use of drones to assist with insurance, financial and underwriting related activities

An unmanned insurance drone, comprising:

• a drone body;
• a sensor unit disposed on the drone body configured to capture sensor data;
• a wireless communication unit in communication with the sensor unit, the wireless communication unit is configured to:
• transmit the sensor data;
• transmit information to an information processing server,
• transmit information to a pilot guiding the unmanned insurance drone;
• receive a real-time request from an insurance adjuster to collect data from an accident scene and ask questions for an insurance report;
• and
• transmit a real-time response from an insured individual at the accident scene;
• and
• an on-board processor in communication with the wireless communication unit, the on-board processor is configured to:
• monitor an area proximate to the insured individual;
• analyze image data corresponding to the insured individual using a facial recognition program to verify the identity of the insured individual;
• determine if the insured individual deviated from a planned schedule;
• receive, via the wireless transmission unit, a command from an insurance processor at a remote location;
• instruct the unmanned insurance drone to fly to the accident scene where the insured individual is present based on the command;
• instruct the sensor unit to record sensor data corresponding to the accident scene;
• identify a witness at the accident scene based on the sensor data;
• provide interactive communications between the insurance adjuster and the insured individual at the accident scene using a voice prompt system;
• determine if a report is appropriate for the accident;
• and
• provide the report to law enforcement over a communication network when the report is appropriate.

A method of investigating an accident using a drone, the method comprising the steps of:

• transmitting, by a wireless unit of a drone, information to an information processing server;
• transmitting, by the wireless unit, information to a pilot guiding the drone;
• receiving, by a processor of the drone, a command from an insurance processor at a remote location from the drone to fly to an accident scene where an insured individual is present;
• monitoring an area proximate to the insured individual to record sensor data corresponding to the accident scene by a sensor unit of the drone;
• analyzing image data corresponding to the insured individual using a facial recognition program to verify the identity of the insured individual;
• determining if the insured individual deviated from a planned schedule;
• identifying, by the processor a witness at the accident scene based on the sensor data recorded by the sensor unit;
• communicating, by the processor one or more questions regarding the accident scene to the insured individual using a voice prompt system,
• determining, by the processor, a police report is appropriate for the accident scene;
• determining, by the processor, the insured individual has not provided a report based on responses to the one or more questions;
• and
• providing, by the processor, police report to law enforcement over a network.