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STRAIGHT THROUGH PROCESS (STP)

STP has a set of rules validation with three categories (A, B, C). If a case falls under Category A, it will be reviewed automatically by CamCom so that it doesn’t require manual intervention from RSGI.

STP is currently implemented for: - Private car (vehicle_type_id = 1) - Four-wheeler taxi (vehicle_type_id = 6)

STP Rule documentation: STP Documentation

STP Flow

Category B :

2.1 : Either of the bumpers are torn or damaged heavily.

2.2 : The windshield glass is damaged.

2.3 : There is a difference in the chassis number between VIN plate, Punched chassis number and RC/Auto populated data.

2.4 : Inspected vehicle make or model mismatched with the vehicle details captured as per vehicle registration number in RC or in Auto populated data.

2.5 : Odometer is not in running condition.

2.6 : Vehicle punched chassis number is not clearly visible (didn’t recognise all 17 letters)

2.7 : The vehicle is an unregistered/new vehicle.

2.8 : The vehicle is older than 15 years from the date of manufacturing.

2.9 : Vehicle inspected in evening time or at dark places.

2.10 : Vehicle in dismantled condition/Tire missing in commercial vehicles.

2.11 : User captured trip meter reading instead of odometer reading.

2.12 : Electric Vehicle

2.13 : Vehicle images are partially visible/Not visible

2.14 : Case didn’t fall under Category A or C

Case will go through category B rules it will check each of the above conditions based on the rc details provided by RSGI and the vehicle details identified by AI model. (We are doing fuzzy comparison for vin and number plate readings), if the case doesn’t fall under category A or C it will come to category B with 2.14 rule number

Partial image check:

We are doing a partial image check based on the roi boundary and the width and height of the original uploaded images, if the roi border is on/greater than the original uploaded image size then we are considering the image as partial. (there is a little buffer adjustments in the code for the boundaries because of the roi default padding)

We are comparing the combinations sides partial check based on the below STP matrix to declare the case as partial

Category A :

Based on the STP document attached we are validating the separate rules for private car and taxi

Damage intensity mapping:

  • 1-Minor (<10% of a panel surface damaged)
  • 2-Low (10 <= DMG < 30%)
  • 3-Medium (30 <= DMG < 50%)
  • 4-High (50 <= DMG < 60%)
  • 5-Major (DMG >= 60%)

We are calculating the damage percentage based on the visibility of the parts on that corresponding side

If the case falls under Category A then CamCom doing the automatic review and changing the claim_state to 8 in insurance_vehicle

Category C :

Category C cases can be reviewed by only the VIR head which is a user role.

  • If there are major damages greater than 60% on more than 2 panels it will fall under Category C
  • If the user uploads images from laptop/mobile then the DA has to select "irrelevant or inappropriate images” then the case will fall under Category C

Rules mapping for callback :

{ "stp_result": "Category A", "stp_rules": [ { "rule": "STP_1_1", "result": false }, { "rule": "STP_1_2", "result": false }, { "rule": "STP_1_3", "result": false }, { "rule": "STP_1_4", "result": false }, { "rule": "STP_1_5", "result": false }, { "rule": "STP_1_6", "result": false }, { "rule": "STP_2_1", "result": false }, { "rule": "STP_2_2", "result": false }, { "rule": "STP_2_3", "result": false }, { "rule": "STP_2_4", "result": false }, { "rule": "STP_2_5", "result": false }, { "rule": "STP_2_6", "result": false }, { "rule": "STP_2_7", "result": false }, { "rule": "STP_2_8", "result": false }, { "rule": "STP_2_9", "result": false }, { "rule": "STP_2_10", "result": false }, { "rule": "STP_2_11", "result": false }, { "rule": "STP_2_12", "result": false }, { "rule": "STP_2_13", "result": false }, { "rule": "STP_2_14", "result": false }, { "rule": "STP_3_1", "result": false }, { "rule": "STP_3_2", "result": false } ] }

private car rules mapping :

  1. STP_1_1 = "There are no damages in the vehicle"
  2. STP_1_2 = "One to three panel with low intensity or minor damages. (Intensity < = 3). No otherdamages."
  3. STP_1_3 = "Four panels with medium damages with no other damages involved. (Intensity < = 2)"
  4. STP_1_4 = "Multiple “scratches” on either/both the bumpers. (Intensity =2). No other damages."
  5. STP_1_5 = "Only one panel damaged with medium damage. (Intensity = 3). No other damages"
  6. STP_1_6 = "Upto 5 panels with damage intensity less than or equal to 2"
  7. STP_2_1 = "Either of the bumpers are torn or damaged heavily"
  8. STP_2_2 = "The windshield glass is damaged"
  9. STP_2_3 = "There is a difference in the chassis number between VIN plate, Punched chassis number and RC/Auto populated data"
  10. STP_2_4 = "Inspected vehicle make or model mismatched with the vehicle details captured as per vehicle registration number in RC or in Auto populated data"
  11. STP_2_5 = "Odometer is not in running condition"
  12. STP_2_6 = "Vehicle punched chassis number is not clearly visible"
  13. STP_2_7 = "The vehicle is unregistered/new vehicle"
  14. STP_2_8 = "Vehicle is older than 15 years from the date of manufacturing"
  15. STP_2_9 = "Vehicle inspected in evening time or at dark places"
  16. STP_2_10 = "Vehicle in dismantled condition/Tire missing in commercial vehicles"
  17. STP_2_11 = "User captured trip meter reading instead of odometer reading"
  18. STP_2_12 = "Electric Vehicle"
  19. STP_2_13 = "Vehicle images are partially visible/Not visible"
  20. STP_2_14 = "Case didn’t fall under Category A or C"
  21. STP_3_1 = "Major damage in 2 or more than panel 60% intensity in each panel"
  22. STP_3_2 = "Inspection done through OFFLINE images like (Image captured from Laptop, Desktop and Mobile.etc"

Taxi rule mapping:

  1. STP_1_1 = "There are no damages in the vehicle"
  2. STP_1_2 = "One to three panels with low intensity or minor damages. (Intensity < = 2). No other damages"
  3. STP_1_3 = "Two panels with medium damages with no other damages involved. (Intensity < = 3)"
  4. STP_1_4 = "Multiple "scratches" on either/both the bumpers. (Intensity =1). No other damages"
  5. STP_1_5 = "Only one panel damaged with medium damage. (Intensity = 3). No other damages"
  6. STP_1_6 = "Upto 5 panels with damage intensity less than or equal to 2"
  7. STP_2_1 = "Either of the bumpers are torn or damaged heavily"
  8. STP_2_2 = "The windshield glass is damaged"
  9. STP_2_3 = "There is a difference in the chassis number between VIN plate, Punched chassis number and RC/Auto populated data"
  10. STP_2_4 = "Inspected vehicle make or model mismatched with the vehicle details captured as per vehicle registration number in RC or in Auto populated data"
  11. STP_2_5 = "Odometer is not in running condition"
  12. STP_2_6 = "Vehicle punched chassis number is not clearly visible"
  13. STP_2_7 = "The vehicle is unregistered/new vehicle"
  14. STP_2_8 = "Vehicle is older than 15 years from the date of manufacturing"
  15. STP_2_9 = "Vehicle inspected in evening time or at dark places"
  16. STP_2_10 = "Vehicle in dismantled condition/Tire missing in commercial vehicles"
  17. STP_2_11 = "User captured trip meter reading instead of odometer reading"
  18. STP_2_12 = "Electric Vehicle"
  19. STP_2_13 = "Vehicle images are partially visible/Not visible"
  20. STP_2_14 = "Case didn’t fall under Category A or C"
  21. STP_3_1 = "Major damage in 2 or more than panel 60% intensity in each panel"
  22. STP_3_2 = "Inspection done through OFFLINE images like (Image captured from Laptop, Desktop and Mobile.etc"