Collision accident loss estimating method and system based on expert system

Abstract

The invention provides a collision accident loss estimating method and system based on an expert system. The method includes that the collision data obtained by an acquisition device and a collision simulation analysis module is subjected to feature extraction by a data processing system to determine the collision data, the loss estimating information and the maintenance plan of the collision accident, and the comprehensive database of the system is established; by means of the intelligent recognition and image gray-level matching technology, the loss is checked in a vehicle type damage estimating database; the feature parameters of the collision data is studied by artificial intelligence, the intelligent recognition mechanisms of the accident vehicle and the collision data are sorted, and an accident loss and maintenance expert system is established by combining an accident loss estimating expert knowledge base and a vehicle maintenance expert knowledge base; and a knowledge acquisition module performs classification and arrangement through the combination with the knowledge model established by artificial intelligence learning and the direct knowledge given by the accident loss and maintenance expert system. The subjectivity of a loss estimator in loss estimating is prevented and the probability of joint fraudulent insurance is reduced, and the disassembling cost of accident vehicles can be prevented.

Description

technical field [0001] The invention belongs to the field of collision accident damage assessment, in particular to a collision accident damage assessment method and system based on an expert system. Background technique [0002] At present, the number of cars is gradually increasing every year. The continuous planning of road traffic has increased the speed of vehicles, and the incidence of traffic accidents is also increasing. The main claims process after a car collision is: accident-report- -Survey--loss assessment--price verification--loss assessment--indemnity assessment--payment, where the loss assessment is based on the on-site inspection by the professionals sent by the insurance company, and the on-site preliminary inspection according to the traces and degree of the loss Damage assessment, or go directly to the repair shop, 4S shop, or damage assessment center to assess the damage. After a vehicle accident occurs, the vehicle itself will undergo various deformati...

AI Technical Summary

Problems solved by technology

After a vehicle accident occurs, the vehicle itself will be deformed and damaged in various ways, but only relying on the experience of the damage assessor to determine the damage of the accident vehicle, there is a lot of subjectivity and the probability of joint insurance fraud

In addition, traditional damage assessment requires vehicle dismantling for the accuracy of accident vehicle damage assessment, which also increases the cost of insurance claims

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