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Vehicle insurance system

A vehicle and vehicle information technology, applied in the field of vehicle insurance system, can solve the problems of ignoring the subject of accident claims and reducing the probability of claims, and achieve the effect of reducing the probability of claims and the probability of accident

Inactive Publication Date: 2017-05-10
保腾网络科技有限公司
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  • Abstract
  • Description
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  • Application Information

AI Technical Summary

Problems solved by technology

[0005] However, the above method only considers the status data of the car itself. The essence of an accident is the relationship between the car and the surrounding environment, ignoring the subject of the accident and claim settlement, so it cannot effectively reduce the probability of claim settlement

Method used

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  • Vehicle insurance system

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Embodiment Construction

[0024] Specific embodiments of the present invention will be described in detail below in conjunction with the accompanying drawings. It should be understood that the specific embodiments described here are only used to illustrate and explain the present invention, and are not intended to limit the present invention.

[0025] see figure 1 , a vehicle insurance system of the present invention, comprising:

[0026] A first detection device for acquiring user information and sending the user operation information to the processor;

[0027] A second detection device for acquiring vehicle information and sending the vehicle information to the processor;

[0028] The processor can combine user information and vehicle information to form vehicle insurance data, and judge the driver's premium level through the vehicle insurance data;

[0029] The vehicle insurance system also includes a third detection device, which detects the road image in front of the vehicle, and sends the road...

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Abstract

The invention discloses a vehicle insurance system. The system comprises a first detection apparatus used for obtaining user information and sending user operation information to a processor, and a second detection apparatus used for obtaining vehicle information and sending the vehicle information to the processor; the processor can perform calculation according to the user information and the vehicle information to form vehicle insurance data, and judge an insurance premium level of a driver through the vehicle insurance data; the vehicle insurance system further comprises a third detection apparatus; the third detection apparatus detects an image of a road in front of a vehicle and sends road image information to the processor; the processor performs calculation processing on the road image information to perform vehicle, lane line and pedestrian detection; the processor comprises an ADAS detection module and a UBI analysis module; the first detection apparatus and the third detection apparatus are connected with the ADAS detection module; and the second detection apparatus is connected with the UBI analysis module. According to the vehicle insurance system, the function of searching for high-quality customers can be realized and the accident probability of drivers can be reduced.

Description

technical field [0001] The invention relates to the technical field of vehicle insurance, in particular to a vehicle insurance system. Background technique [0002] Insurance based on driving behavior, referred to as UBI, collects the user's driving behavior by installing various sensors on the car, and identifies the active risk of the user's driving by analyzing the characteristics behind the behavior, so as to serve the user Customized auto insurance premiums. [0003] The existing UBI systems are divided into two categories. One is to collect vehicle data through on-board diagnostic system equipment. After the data information is transmitted to the insurance company platform, the underwriters analyze and provide specific car insurance plans to car users. The other is to obtain car mileage information, determine driving behavior, and calculate insurance premiums based on actual mileage. [0004] The current UBI system builds a car insurance model based on the mileage, c...

Claims

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Application Information

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IPC IPC(8): G06Q40/08G06K9/00A61B5/0205A61B5/18A61B5/00
CPCA61B5/02055A61B5/021A61B5/024A61B5/0816A61B5/168A61B5/18G06Q40/08A61B5/746A61B2503/22G06V40/103G06V20/597G06V20/588G06V20/58
Inventor 卜城格吴英华朱波闫帅王祖元
Owner 保腾网络科技有限公司
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