Vehicle premium rate calculation method in automatic driving mode

Abstract

The invention discloses a vehicle premium rate calculation method in an automatic driving mode, and the method comprises the steps of obtaining the regular vehicle driving duration of a user, and obtaining a risk value of the vehicle driving duration; obtaining a vehicle driving range of a user, and obtaining a risk value of the driving range; taking the risk value of the vehicle driving duration and the risk value of the driving range as an insurance premium calculation method in an automatic driving mode; integrating the driving duration risk and the driving range risk, carrying out comprehensive charging according to the risks, deducting the vehicle insurance premium in a certain time period (usually taking month as a unit), and completing insurance premium work. The problem that at present, payment by year needs a large amount of payment is solved, segmented payment according to needs is achieved, and the vehicle insurance premium is quantitatively and accurately charged according to subdivided risks. And a function of automatically increasing the insurance amount or the rate in a specific driving range, a specific time period or the continuous driving duration of the vehicle is realized, so that the driving guarantee of the user in a high-risk range is improved, and the charging is matched according to the risk.

Description

technical field [0001] The invention relates to the technical field of vehicle insurance rates, in particular to a method for calculating vehicle insurance rates in an automatic driving mode. Background technique [0002] Today's autopilot mode is a smart car system that realizes unmanned driving through the on-board computer system. It relies on the cooperation of artificial intelligence, visual computing, radar, monitoring devices and global positioning systems, so that the computer can operate without any active human operation. , operate the motor vehicle automatically and safely, and when the insurance company insures the vehicle, it mainly calculates the insurance premium based on the brand of the vehicle, the original value, the service life, and the accidents in recent years. The premium model, the untargeted insurance billing model for autonomous driving. [0003] The existing vehicle insurance rate calculation methods are all calculated by annual fee, but the annu...

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Problems solved by technology

[0004] The purpose of the present invention is to provide a method for calculating vehicle insurance premium rates under automatic driving mode, so as to solve the existing calculation methods for vehicle insurance premium rates proposed in the above-mentioned background technology. Large payments will have a certain economic impact on users, and vehicle insurance premiums are high. For users who drive frequently and occasionally, it is impossible to regulate vehicle insurance premiums, and it is impossible to quantify and accurately bill according to subdivided risks.

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