Automobile insurance premium generation method based on automobile networking and automobile networking system

Abstract

The invention provides an automobile insurance premium generation method and a automobile networking system based on automobile networking, which relates to the technical field of automobile networking. The automobile insurance premium generation method based on automobile networking and the automobile networking system, comprising: judging whether the vehicle has the illegal driving behavior andthe times of the illegal driving behavior in the preset time by using the management server according to the current driving state information of the vehicle, and generating the vehicle insurance expense according to the types of the illegal driving behavior and the times of each illegal driving behavior; sending the vehicle insurance cost to the service server; and then transmitting the vehicle insurance expense information to the user terminal equipment associated with the vehicle by the service server. Thus, the insurance premium to be paid by the user is related to the driving habits and driving skills of the user, so that the insurance premium to be paid by each vehicle is reasonably distributed, and the driver is encouraged to maintain good driving habits and train good driving skills to a certain extent.

Description

technical field [0001] The present invention relates to the technical field of the Internet of Vehicles, in particular, to a method for generating an automobile insurance fee based on the Internet of Vehicles and a system for the Internet of Vehicles. Background technique [0002] As people increasingly pursue the convenience of travel, there are more and more vehicles on the market, and traffic accidents often occur on roads with more and more vehicles. However, for drivers with different driving skills and different driving habits, vehicles The insurance cost is the same, which makes the insurance cost unfair to both the driver and the insurance company. For example, a driver with good driving skills and good driving habits is obviously more likely to have a traffic accident than a driver with poor driving skills and driving habits. Drivers with poor habits have a low probability of accidents, but they need to pay the same insurance premiums, and the allocation of insuranc...

AI Technical Summary

Problems solved by technology

[0002] As people are increasingly pursuing the convenience of travel, there are more and more vehicles on the market, and traffic accidents often occur on roads with more and more vehicles. However, for drivers with different driving skills and different driving habits, vehicles The insurance cost is the same, which makes the insurance cost unfair to both the driver and the insurance company. For example, a driver with good driving skills and good driving habits is obviously more likely to have a traffic accident than a driver with poor driving skills and driving habits. Drivers with poor habits have a low probability of accidents, but the insurance premiums they need to pay are the same, and the allocation of insurance premiums that need to be paid is less rational

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