Traffic accident responsibility identification and claim settlement method

Abstract

The present invention discloses a traffic accident responsibility identification and claim settlement method which comprises the steps of vehicle data recording, accident information collection, remote accident analysis, first time responsibility identification, responsibility identification checkup and claim settlement determination. According to the method, through arranging the third party mechanism of a remote accident identification center, vehicle accident information is transmitted to the identification center, the responsibility can be rapidly identified and claim settlement information is determined. A responsibility identification analysis report is completed by professionals, is confirmed by accident parties and then is sent to an insurance company for claim settlement. Due to the video record and the common confirmation of both parties or multiple parties, a claim settlement result has high accuracy, the satisfaction degree of the parties is high, thus a traffic accident claim settlement case is rapidly processed, a lot of manpower and material resources of the insurance company are saved, a claim settlement process is simplified, and a claim settlement management link is improved.

Description

technical field [0001] The invention relates to the field of financial claims, in particular to a method for determining liability and claiming for traffic accidents. Background technique [0002] The traditional method of determining responsibility for traffic accidents is a lengthy process. When a traffic accident occurs, the on-site determination of responsibility must be carried out first, and then the user needs to confirm whether it meets the insurance claim standards by phone or fax. The claim procedure is complicated. Inconsistent understanding of the terms and conditions may also result in inconsistent claim settlement 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 ...

AI Technical Summary

Problems solved by technology

However, this authentication method and claim 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 the traffic accident, and at the same time, it cannot solve the accident liability determination, and its claims The timeliness is slow, the claim settlement process is complicated, and it is impossible to improve the claim settlement management link

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