Intelligent car insurance self-service claim method, apparatus and system

Abstract

The invention discloses an intelligent car insurance self-service claim method, apparatus and system. The intelligent car insurance self-service claim method comprises the following steps of receiving a car insurance report request of a client; identifying an identity recognition code of the client, obtaining a license plate number of a car owner according to the identity recognition code, and feeding back options of license plate information and accident process information to the client; after a report submitting signal of the client is received, prompting the client to shoot a car damage photo and insurance document related photos; after the photos uploaded by the client are received, prompting the client to select a repair factory; and performing image identification on the photos uploaded by the client, obtaining a car damage result, calculating a loss assessment amount according to accessory prices and man-hour prices of the repair factory selected by the client and the car damage result, and feeding back the loss assessment amount to the client for confirming the amount. According to the self-service claim method, apparatus and system, self-service claim is realized, survey personnel do not need to participate in loss assessment, and a claim process is quick.

Description

technical field [0001] The invention relates to auto insurance claim settlement and loss determination technology, in particular to a self-service claim method for intelligent car insurance, a self-service claim device and a system. Background technique [0002] With the development of society, there are more and more traffic vehicles, and vehicle insurance is already the first procedure after purchasing a vehicle. With the increase of vehicles, the absolute number of vehicle traffic accidents also increases accordingly. When an insured vehicle is involved in a traffic accident, the first thing the owner must do is to settle the claim. At present, the way of auto insurance claims is generally to call the insurance company by the car owner, wait for the investigators of the insurance company to go to the scene to investigate, wait for the damage to be assessed, submit the documents at the store, and wait for the payment. The operation steps are complicated and cumbersome, a...

AI Technical Summary

Problems solved by technology

The operation steps are complicated and cumbersome, and the normal process of claim settlement usually takes 3-7 days, which is time-consuming and labor-intensive, and has become one of the most worrying pain points for car owners

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