Intelligent car insurance quotation and insurance system and method

Abstract

The invention provides an intelligent car insurance quotation and insurance system and method. The system comprises a car insurance information input device, a car insurance information processing unit, a control center and charging systems and mobile terminals of at least two insurance companies. The method comprises the following steps: the car insurance information processing unit schedules data in a data cloud platform server according to a processing result; the car insurance information processing unit automatically figures out insurance premiums of different insurance companies according to rules formulated by different insurance companies; the car insurance information processing unit automatically displays accurate insurance premiums of the insurance companies after processing, and a car owner can compare and screen displayed results, so that self-service quotation and self-service insurance are achieved. Intelligent car insurance quotation and insurance are achieved, and in the case of failure of a car, a distress signal is sent to the nearest vehicle through a mobile client timely and accurately, an automobile data recorder is provided to reduce failure plots, which is conducive to the car owner to easily claim, and the rights and interests of the car owner are greatly guaranteed.

Description

Technical field [0001] The invention belongs to the field of insurance finance, and specifically relates to an intelligent quotation insurance system and method for auto insurance. Background technique [0002] With the rapid development of the insurance finance field, especially in the current era of rapid development of the Internet economy, the traditional vehicle insurance application system can no longer meet the expansion of actual insurance business. [0003] The current traditional auto insurance approach is three channels: salesmen expand their business, telephone sales and car owners to buy insurance at the car dealership. These three aspects are inseparable from the quotation of auto insurance, which has the following disadvantages: [0004] 1). The current quotations of auto insurance are all quoted by traditional hand calculation, and the insurance companies have different insurance methods and quotation input information, which brings many troubles to customers and is v...

AI Technical Summary

Problems solved by technology

[0004] 1) At present, the quotations of auto insurance are all quoted by traditional hand calculations, and the insurance insurance methods and quotation input information of each insurance company are different, which brings a lot of trouble to customers and is very inefficient;

[0005] 2) The insurance fees and claim settlement methods of various insurance companies are different. For most customers who do not understand vehicle insurance and related claim settlement rules, it is difficult to choose an insurance with reasonable price and convenient claim settlement among many insurance companies The company and insurance types have brought great troubles to customers;

[0006] 3) After purchasing insurance, the general car owner will contact the salesman who handled the insurance business at that time to settle the claim in case of a claim. If you stay away from the car dealership, it will be more troublesome, and there is no way to complain. Even if you contact the salesman who handled the insurance at the beginning, the salesman usually asks the car owner to call the insurance company to report the case. This very passive service allows the car owner and the vehicle to get Without timely assistance, it is more likely that the insurance company will not settle the claim due to the unprofessional claim settlement operation method of the car owner, which will damage the rights and interests of the car owner

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