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Novel vehicle insurance system

A vehicle and a new type of technology, applied in the field of vehicle insurance, can solve the problems of reducing the probability of claims and ignoring the subject of accident claims

Inactive Publication Date: 2017-04-26
保腾网络科技有限公司
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  • Abstract
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Problems solved by technology

[0005] However, the above method only considers the status data of the car itself. The essence of an accident is the relationship between the car and the surrounding environment, ignoring the subject of the accident and claim settlement, so it cannot effectively reduce the probability of claim settlement

Method used

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  • Novel vehicle insurance system

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Embodiment Construction

[0025] Specific embodiments of the present invention will be described in detail below in conjunction with the accompanying drawings. It should be understood that the specific embodiments described here are only used to illustrate and explain the present invention, and are not intended to limit the present invention.

[0026] see figure 1 , the present invention provides a novel vehicle insurance system, comprising:

[0027] A first detection device for acquiring user information and sending the user operation information to the processor;

[0028] A second detection device for acquiring vehicle information and sending the vehicle information to the processor;

[0029] The processor can combine user information and vehicle information to form vehicle insurance data, and judge the driver's premium level through the vehicle insurance data;

[0030] The new vehicle insurance system also includes a third detection device, the third detection device detects the road image in fro...

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Abstract

The invention discloses a novel vehicle insurance system which comprises a first detecting device and a second detecting device. A process can generate vehicle insurance data through user information and vehicle information operation, and furthermore determines an insurance premium grade of a driver through the vehicle insurance data. A third detecting device detects a front road image of the vehicle and transmits the road image information to the processor for performing operation processing on the road image information for detecting. The processor comprises an ADAS detecting module and a UBI analysis module. The first detecting device and the third detecting device are connected with the ADAS detecting module. The second detecting device is connected with the UBI analysis module. The novel vehicle insurance system further comprises an ADAS reminding module which is connected with the ADAS detecting module for receiving analysis data of the ADAS detecting module and judges whether the analysis data satisfy an alarming condition, and if yes, the ADAS reminding module performs alarming. The novel vehicle insurance system has advantages of realizing searching of high-quality clients, reducing risk probability of drivers, realizing in-time reminding on the drivers and improving driving safety.

Description

technical field [0001] The invention relates to the technical field of vehicle insurance, in particular to a novel vehicle insurance system. Background technique [0002] Insurance based on driving behavior, referred to as UBI, collects the user's driving behavior by installing various sensors on the car, and identifies the active risk of the user's driving by analyzing the characteristics behind the behavior, so as to serve the user Customized auto insurance premiums. [0003] The existing UBI systems are divided into two categories. One is to collect vehicle data through on-board diagnostic system equipment. After the data information is transmitted to the insurance company platform, the underwriters analyze and provide specific car insurance plans to car users. The other is to obtain car mileage information, determine driving behavior, and calculate insurance premiums based on actual mileage. [0004] The current UBI system builds a car insurance model based on the mile...

Claims

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Application Information

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IPC IPC(8): G06Q40/08
CPCG06Q40/08
Inventor 卜城格吴英华朱波闫帅王祖元
Owner 保腾网络科技有限公司
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