Automobile insurance claim settlement method and device based on mobile communication network

Abstract

The invention discloses an automobile insurance claim settlement method based on a mobile communication network. The method comprises the following steps: a mobile terminal acquires accident site information, and generates accident liability cognizance information based on responsibility confirmation information input by a driver of a traffic accident automobile and the accident site information; a claim settlement request is generated according to the acquired accident site information and the accident liability cognizance information; the mobile terminal sends the claim settlement request to an insurance service platform, so that the insurance service platform performs claim settlement of the automobile insurance accident based on the accident site information and the accident liability cognizance information; claim settlement processing result information sent by the insurance service platform is received; and, after being associated with the claim settlement, the claim settlement processing result information is stored. The invention further provides an automobile insurance claim settlement device based on the mobile communication network. The automobile insurance claim settlement method and device based on the mobile communication network disclosed by the invention solve the technical problems of jammed traffic, low efficiency and the like due to the fact that processing can be carried out only needing to wait for a claim settlement person of an insurance company to arrive at the site when the claim settlement problem of a traffic accident is processed.

Description

technical field [0001] The invention relates to the technical field of auto insurance claims, in particular to a method and device for auto insurance claims based on a mobile communication network. Background technique [0002] With the rapid development of society and the gradual improvement of people's living standards, car consumption has gradually become a part of people's daily life, and more and more private cars have entered our lives. At the same time, urban traffic is slowly becoming congested, and traffic accidents occur frequently, seriously affecting our work and life. [0003] The traditional traffic accident handling process is lengthy. Usually, the following procedures are adopted for the handling of traffic accidents: retain the accident scene and wait for the traffic police to arrive at the scene to determine the responsibility; clean up the accident scene and restore the smooth road; such an operation mode is cumbersome and inefficient , the originally con...

AI Technical Summary

Problems solved by technology

[0004] The present invention provides a method and device for auto insurance claim settlement based on a mobile communication network. The main purpose of the present invention is to solve the problem of traffic jams caused by the need to wait for the claims adjuster of the insurance company to arrive at the scene in the prior art when dealing with traffic accident claims. Technical problems such as inefficiency

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