System and method for insurance claim settlement

Abstract

The invention, which relates to the insurance system field, provides a system and method for insurance claim settlement, wherein the system with a simple structure and the method are capable of rapidly dealing with a traffic accident settlement case, saving lots of human and material resources of an insurance company, simplifying a settlement process, and perfecting the claim settlement management links. The system comprises a front-end device and an insurance company server; and the front-end device includes a GPS module, a camera, a control panel and a wireless communication module. After a traffic accident happens, a car owner starts the front-end device inside the car to connect the insurance company server; and the camera of the front-end device is started to shoot a field accident situation and a car accident circumstance is determined; if the circumstance of the car accident is not serious, the insurance company server starts the GPS module inside the car and sends relates data of a nearby controlled company to the car owner according to positioning information; the car owner drives the car by himself to the controlled company according to the data to carry out claim settlement or to a designated place for maintenance; and if the circumstance of the car accident is serious, the GPS module inside the car is started and the positioning information is sent the nearby controlled company; and the controlled company sends someone to go to the scene so as to collect related data for claim settlement completion.

Description

[0001] technical field [0002] The invention relates to the field of insurance systems, in particular to an insurance claim settlement system and method thereof. Background technique [0003] In traditional 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 the claim, which may also cause inconsistent claim standards, causing great inconvenience to users. . China Patent No.: 200810094183.2, which discloses a method and system that uses positioning technology to apply to the auxiliary authentication of auto insurance claims in the insurance industry. Comparing with the relevant description when the customer reported the accident, it provides objective and necessary evidence for auto insurance claims, helps auto insurance claim personnel to effectively identify fraudulent insurance, and prevents frau...

AI Technical Summary

Problems solved by technology

However, this authentication method and claims settlement system still cannot solve the problem that the claims commissioner needs to actually inspect and audit the location of the traffic accident, and the insurance company still needs to spend a lot of manpower and material resources to deal with traffic accidents, and the timeliness of claims settlement is slow and the claims settlement process is complicated , unable to improve the claims management link

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