The invention relates to the technical field of Internet of Vehicles, and provides a vehicle accident detection alarm method based on an Internet-of-vehicles intelligent terminal, which comprises thefollowing steps: initializing the Internet-of-vehicles intelligent terminal, and obtaining an initial configuration rule of the Internet-of-vehicles intelligent terminal from a server; collecting vehicle data in real time, preliminarily judging whether the current vehicle is in an abnormal condition according to the initial configuration rule, and if yes, uploading in-vehicle sound or image information to a server; if not, repeating the step; performing secondary judgment on the received in-vehicle sound or image information to judge whether a vehicle accident occurs by the server, and if yes,generating an alarm according to a preset mode; and if not, stopping the current round of judgment, and skipping to execute the previous step. According to the method, the vehicle accident detectiontime can be effectively shortened, the information uploading frequency is reduced, the accuracy of vehicle accident detection and judgment is improved, and resource waste caused by misjudgment is avoided.