Vehicle insurance claim settlement method

Abstract

The invention discloses a vehicle insurance claim settlement method. The method comprises the steps of acquiring an insurance application date of a vehicle owner, contact information, a license plate and a vehicle identification number, inputting the insurance application date of the vehicle owner, the contact information, the license plate and the vehicle identification number to a server, installing software, capable of communicating with the server in real time, in a driving recorder and binding the software with the vehicle identification number; when a vehicle accident occurs, turning on the driving recorder to be connected with the server of an insurance company, and turning on a camera of the driving recorder; shooting a field situation, receiving field shooting images of the driving recorder and performing judgment by reference to a driving video called from the driving recorder through the server, and if the vehicle accident is relatively small, requesting to start a GPS module of the driving recorder, and sending a branch company nearby to the vehicle owner for performing claim settlement or repair by himself according to locating; and if the vehicle accident is relatively serious, suggesting giving an alarm, requesting to start the GPS module, sending locating information to the branch company nearly, and sending a specially-assigned person to go to the site of the vehicle accident for acquiring data. According to the method, a traffic accident claim settlement case can be quickly and conveniently handled, the manpower and material resources of the insurance company can be saved, a claim settlement process can be simplified, and claim settlement management links can be perfected.

Description

technical field [0001] The invention relates to the field of insurance systems, in particular to a vehicle insurance claim settlement method. Background technique [0002] When making traditional vehicle insurance claims, users need to confirm whether they meet the insurance claim standards by telephone or fax. The claim process is complicated. Different claim specialists have inconsistent understanding of the terms of claim settlement, which may also cause inconsistent claim settlement standards, causing great harm to users. inconvenient. [0003] At the same time, due to the inability to solve the problem, the claims specialists need to actually inspect and review the location of the traffic accident. Regardless of whether the damage caused by the accident is serious or minor, they need to assign claimants to the place where the accident occurred. In this way, the insurance company still needs to spend a lot of manpower. , material resources to deal with traffic accidents...

AI Technical Summary

Problems solved by technology

[0002] When making traditional vehicle insurance claims, users need to confirm whether they meet the insurance claim standards by telephone or fax. The claim process is complicated. Different claim specialists have inconsistent understanding of the terms of claim settlement, which may also cause inconsistent claim settlement standards, causing great harm to users. inconvenient

[0003] At the same time, due to the inability to solve the problem, the claims specialists need to actually inspect and review the location of the traffic accident. Regardless of whether the damage caused by the accident is serious or minor, they need to assign claimants to the place where the accident occurred. In this way, the insurance company still needs to spend a lot of manpower. , Material resources to deal with traffic accidents, resulting in slow timeliness of claims settlement, complicated claims process, unable to improve claims management links

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