Delivering a “WOW” Experience During the Claims Process

I recently received an email from an agent asking about how his agency can do a better job of following up on claims. He was involved in a car accident and, in his opinion, Geico and Progressive handled it better than his own carrier. He wanted to know what systems were available to him as an agent to be able to communicate better and follow up regarding a claim. My answer…

Deliver WOW customer serviceAn insurance policy is simply a promise to our clients to “make them whole” and get them back to the same place they were prior to an accident. A claim situation allows us to deliver on that promise when a claim occurs. Geico and Progressive understand that a key part of “good service” during a claim is communication. There are several activities any agency can create and build into a process that will help clients have a great claims experience—as well as others involved in the accident. Here are a few ideas:

The Effect of Multi-Screens on Customer Service

Google has done some interesting research into how people use and consume information and media in their daily lives, especially in how we use different screens. We all use multiple types and sizes of screens—from your very large TV screen, to large desktop monitors (probably more than one), to smaller laptops screens, to similar sized tablet screens that are touch-enabled, to small smartphone touch screens.

Google’s researchers wanted to know, for instance, how activities on one screen (say an iPad) affected those on another (for instance a smartphone). While it may seem like a bit of an abstract research question, their results uncovered some fascinating insights:

  • 90% of all media actions are screen based.
  • On average, people spend 4.4 hours a day of their leisure time in front of screens, with the TV being most popular, followed by the PC or notebook, tablet, and smartphone.
  • The choice of which screen to use is driven by the context: where we are, what we want to do, and what device is within reach.
  • 38% of our daily media interactions are done with a smartphone.
  • Tablets are primarily used at home and their main function is entertainment.
  • We’ve also become quite accustomed to using multiple screens at the same time, with the combination of the TV and our smartphone being the most popular.
  • The TV no longer holds our full attention; 77% of users are using another device at the same time.
  • Smartphones really have become the backbone of our media use.

The implication for insurance agents is the need to go beyond traditional phone and email communication options. Agents need to be thinking about the type of screen clients might be using when they want to make contact with the agency.

With Internet-connected TVs becoming more popular, is it beyond the realm of possibility that your client could use that screen to access their information on your website? What about tablets and smartphones? At a minimum, your Web presence needs to be automatically adaptable to whatever screen size is accessing your site.

What you don’t see in the information above is a high percentage of desktop access. This is a significant change from just a few years ago. People don’t have to “go” to the Internet anymore. They carry the ability to access the Internet around with them all the time. This is especially true for younger consumers.

It’s important to consider screen size when you look to improve your customer service options. Being adaptable will allow you to better connect with your customers and provide a service experience they can enjoy—regardless of what device they use.

Airport Avatar Enters Brave New World of Customer Service

Travelers coming through the New York City area’s three airports—La Guardia, JFK, and Newark—might soon feel the need to double check that they aren’t walking through the set of a science fiction movie. That’s because the airports are introducing some high-tech help in the form of “Ava”—a life-sized, computer-generated female avatar. She’ll provide answers to airport patrons’ common questions. Customer service expert and author Ron Kaufman says Ava the Avatar offers a fun, exciting way to improve customer service for weary travelers.

“Ava is an absolutely fantastic customer service innovation,” says Kaufman, author of the New York Times bestseller Uplifting Service: The Proven Path to Delighting Your Customers, Colleagues, and Everyone Else You Meet. “Like the invention of the telephone, the pager, email, and company websites before her, I think avatars will prove to be the next important step in how we use technology to improve service.”

Kaufman says these avatars have the potential to be of great help in other high-volume service situations.

“I was at the Marriott in Times Square the other day and I asked a hotel employee seated behind the security desk how to get up to the rotating restaurant,” notes Kaufman. “I’m sure he gets this question a hundred times a day, so he mechanically and unsmilingly gave me the answer. Sure, the information was accurate, but it wasn’t a very pleasant experience. What if, instead, there had been an avatar there saying, ‘Hi! How can I help you? The front desk is located on Floor X. The restaurant is located on Floor Y,’ etc.? The information could have been relayed to me in a fun, cheery way. But most importantly, the hotel employee would have been freed from behind the desk to be a roving customer service representative, greeting and helping guests with more complicated issues.”

Ava the Avatar will work tirelessly and cheerfully all the time. Anyone in service knows how difficult it can be to be at your 100% best all day long. Now imagine how difficult it might be to do so at some of the busiest airports in the world. “By having Ava the Avatar, these airports are offering travelers a guaranteed friendly ‘face’ to come to when they need quick help,” says Kaufman. “She’s in the same spot all the time so she’s always there when you need her. Her mood can’t be shaken by busy, curt passengers. She’ll always provide service with a smile. I think that’s a great addition to any business.”

While the first round of avatars won’t be interactive, they will come equipped with a lot of helpful information. “These avatars will be like the FAQs of the airports,” says Kaufman. “They’ll provide a one-stop location for getting information on flights, restroom location, taxi location, and so on. All those things we want to know as travelers but don’t want to spend time running around finding an airport employee to ask.”

She’ll free up airport employees to do what a machine could never do. Naturally, the first inclination will be for people to be concerned that these avatars will replace jobs done by humans. At least for now, that doesn’t seem to be the case, as the Port Authority of New York and New Jersey has said in addition to adding Ava, it will be boosting its customer service staff by 20%.

“I don’t think any service provider should be afraid of this technology,” says Kaufman. “Many customer service situations require free thinking, something only humans are capable of. For example, sometimes the rules need to be bent to make a customer happy. You’ll need an actual person there to decide when that is and isn’t appropriate. Sometimes you have to go that extra mile, for example, physically walking with someone from one place to another, and obviously an avatar can’t do that. I really think service providers will be pleased to see how this frees them up to do what technology can never do—provide truly personal, unique, out-of-the-box, unexpected service situations.”

Eventually, she’ll be able to provide specialized care. “As the technology develops, I think avatars will be a great way for companies to provide efficient, specialized help to customers,” says Kaufman. “For example, perhaps they’ll be able to recognize different languages and respond in kind to customers—a great asset for an airport. Perhaps they’ll be able to recognize a child or someone with special needs and immediately be able to answer the questions or concerns of those groups. The next step might be a 3-D holographic service advisor who will know your name, where you have been and where you are going, and can ‘walk you there’ and converse with you in real-time. The possibilities are endless, and it really is exciting to think about what a boost this technology can provide to service.”

“At $180,000 for a six-month rental, the avatars’ price tag is probably too hefty for many small or mid-size companies,” says Kaufman. “But for high-volume businesses like these airports, it’s probably quite reasonable, especially when you consider that they’ll free up other employees to do their jobs more efficiently.

“It will be very interesting to see what travelers think of Ava the Avatar once she’s installed at these airports,” says Kaufman. “I suspect they’ll find that she’s a positive service improvement, both in the helpful information she’ll provide and in the way she’ll free up airport employees to provide even greater service themselves. Here’s to the future of uplifting service!”

CSR24 Integrates with Applied TAM and Epic

As expected, just a few months after Applied Systems purchased Artizan Internet Services, they have announced final integration of their online customer service tool, CSR24, with Applied TAM and Epic.

CSR24 logo

With the integration, the CSR24 system will be able to access client policy data from either system and post it through a secured connection to Artizan’s servers. The data will then be available online for staff and policyholders. The policyholder never touches or changes the original system data. The data is secure and agency staff reviews all transaction requests before binding. All activity generated through CSR24 will also post automatically to either system so all CSRs/producers/claims personnel will receive proactive information from the policyholders.

Artizan’s CSR24 also offers a call center option, which allows agents to switch their inbound calls on a nightly basis or during emergencies.

CSR24 logo

$7 Million Data Breach

In October 2009, 57 hard drives containing video and audio files related to coordination of care and eligibility telephone calls from providers and members were stolen from a leased facility in Chattanooga, Tenn. that formerly housed a BlueCross BlueShield call center. The video files were images from computer screens of BlueCross BlueShield customer service representatives and the audio files were recorded phone conversations from January 1, 2007, to October 2, 2009.

Almost immediately, BlueCross BlueShield of Tennessee began communicating to brokers and employers and has provided periodic updates as more information becomes available. Additionally, BlueCross BlueShield of Tennessee has been diligently reviewing and analyzing the backup files of the stolen hard drives.

As of February 5, 2010, a total 521,761 current and former members have been identified and 220,133 notifications have been sent to members indicating that their personal information was included on the stolen hard drives. The 220,133 members notified are in the Tier 3 category, meaning that name, address, BlueCross member ID number, diagnosis, Social Security number and/or date of birth was included in the stolen hard drives. Additionally, 301,628 current and former members are in the Tier 2 category. Members in the Tier 2 category (name, address, BlueCross member ID number, date of birth and/or diagnosis) began to receive their notifications and details about remediation services in mid-February.

The cost to date for this data breach is over $7 million.