Novel vehicle insurance claim settlement method

Abstract

The invention discloses a novel vehicle insurance claim settlement method comprising the following steps: collecting a car owner insurance burying date, contact information, a license plate number and a vehicle identification number (VIN), and recording same into a server; installing communication software capable of communicating with the server in real time to a vehicle data recorder, and binding the software with the VIN; starting the vehicle data recorder so as to connect with the insurance company server when traffic accident happens, and starting the vehicle data recorder camera; shooting scene conditions, allowing the server to receive frames taken by the vehicle data recorder in field, and invoking vehicle driving videos from the vehicle data recorder as references so as to make determinations; requesting to start the vehicle data recorder GPS module if the traffic accident is not severe, sending nearby branches to the car owner according to the GPS information, and carrying out self claim settlement or repairing; if the accident is severe, recommending the car owner to call the police, simultaneously requesting to start the GPS module, sending the GPS information to the nearby branch, and sending personnel to collect data on the traffic accident site. The method can easily and fast process traffic accident claim settlement cases, can save insurance company manpower and material resources, can simplify the claim settlement process, and can improve claim settlement management nodes.

Description

technical field [0001] The invention relates to the field of insurance systems, in particular to a novel 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 acc...

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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