Method for providing car insurance underwriting for car on basis of OBD (on-board diagnostics) technology

Abstract

The invention relates to a method for providing car insurance underwriting for a car on the basis of an OBD (on-board diagnostics) technology. The method comprises the following steps: OBD terminal equipment transmits the acquired car data into a server system; after processing and calculation or analysis, the server system divides car data information into car fault data, car driving data and driving behavior data and displays the three types of information on a platform of an insurance enterprise in the form of data, report and icons; and an underwriting person analyzes the information, makes the information into visual data, and provides a policy scheme taking the visual data as basis for car users. The method utilizes the OBD as a data acquisition means, has the advantages of timeliness, objective and real data and easy standardized processing of the system, and can greatly improve the efficiency of management and processing of insurance services. In addition, the acquired data comprises key car-insurance underwriting support data such as driving data, driving behavior, fault information and the like of the users, and the data is continuously stored so as to have positive significance for continuous tracking evaluation of insured clients.

Description

technical field [0001] The invention relates to the technical field of OBD, in particular to a method for providing auto insurance underwriting for automobiles based on the OBD technology. Background technique [0002] Auto insurance underwriting comprehensively evaluates the degree of danger based on various conditions and factors of the vehicle, and selects appropriate underwriting conditions according to different degrees of danger to make the risk uniform, thereby improving the quality of underwriting and ensuring the operating efficiency of auto insurance. At this stage, the status quo of auto insurance underwriting in my country is generally low-level, professional, low-level of standardization, and simple in content, which cannot effectively provide support for underwriting work, especially in terms of data issues. Underwriting is based on historical data, and at this stage the industry does not have a set of sound and reasonable methods for collecting, organizing and...

AI Technical Summary

Problems solved by technology

At this stage, the status quo of auto insurance underwriting in my country is generally not high, professional, low in standardization, and simple in content, which cannot effectively provide support for underwriting work, especially in terms of data issues

Underwriting is based on historical data, and at this stage the industry does not have a set of sound and reasonable methods for collecting, organizing and analyzing vehicle data, which makes it impossible for insurance companies to accurately judge whether a certain target will suffer losses, but can only rely on The loss probability distribution formed by the historical experience data accumulated from the observation of a large number of random events predicts the underlying risk level

There is not enough historical data to support it, which increases the difficulty of establishing underwriting standards, reduces the scientific nature of underwriting work, and makes it more subjective and arbitrary

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