Car damage identification method based on mobile communication terminal or network terminal

Abstract

The invention discloses a vehicle loss determination method based on mobile communication terminal or network terminal, comprising the steps that: after a traffic accident, a party transmits an image of the damaged part and related information of a vehicle to a loss determination service center by wireless communication network; the loss determination center analyzes the image of the damaged part and related information of the vehicle, determinates the loss by a loss determination system; and the loss determination service center submits the loss determination result to the party by wireless commutation network. The party transmits the image of the damaged part and related information of the vehicle to the loss determination service center by wireless communication network, the loss determination service center determinates the loss by the loss determination system, and submits the result to the party by wireless communication network, therefore the invention is capable of assuring instantaneity, reasonability and precision of loss determination.

Description

technical field [0001] The invention relates to a vehicle damage assessment method in traffic accidents, in particular to a vehicle damage assessment method based on a mobile communication terminal or a network terminal, which transmits on-site pictures and vehicle related information to a damage assessment service center through a wireless communication network. Background technique [0002] At present, after the occurrence of a traffic accident, the parties to the collision mainly adopt negotiation solutions or invite professional companies (including insurance companies, assessment companies, etc.) to arrive at the scene to determine the loss (referred to as damage determination). At present, no matter what method of damage determination has disadvantages: the method of damage determination through negotiation between the two parties can be quickly resolved, but the two parties do not have a professional background in the cost of vehicle damage repair, and the negotiation ...

AI Technical Summary

Problems solved by technology

At present, no matter what method of damage determination has disadvantages: the method of damage determination through negotiation between the two parties can be quickly resolved, but the two parties do not have a professional background in the cost of vehicle damage repair, and the negotiation often brings property loss for one party; professional companies determine damage on site Usually, the method used is to send loss assessors or assessors to the accident site, take photos and investigate or assess the damage on the spot. In the process of loss assessment, it is possible to use some spare parts price inquiry manuals or software to assist in the assessment of damage.

The disadvantages of this fixed loss model are:

[0003] 1) The investigation and damage assessment personnel cannot arrive at the scene in time due to various reasons, resulting in traffic jams;

[0004] 2) On-site damage assessment takes up a lot of manpower from professional companies for survey, damage assessment, claim settlement, and damage verification, resulting in low work efficiency and high operating costs;

[0005] 3) Vehicle accidents occur in scattered places, difficult to transmit information, professional companies cannot supervise immediately, and management costs are high;

[0006] 4) Without the cooperation of professional damage assessment tools and software, accident vehicles often cannot be assessed scientifically, accurately and reasonably on the spot, and the two parties in the accident cannot reach an agreement;

[0007] 5) Automobile technology is complex: there are a large number of spare parts, and the names of spare parts are not standardized. According to expert statistics, more than 90% of spare parts need graphic comparison and auxiliary damage determination;

[0008] 6) Due to the inaccurate and correct determination of the number of damaged spare parts or the amount of damage caused by the coding, the amount of fixed damage is often inaccurate, which leads to conflicts between the accident party, insurance companies, and auto repair companies, and even legal disputes

The immediacy, rationality and accuracy of loss assessment cannot be guaranteed

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