Intelligent car insurance self-service claim method, apparatus and system

A smart auto insurance and auto insurance technology, applied in data processing applications, instruments, finance, etc., can solve the problems of complicated and cumbersome operation steps, time-consuming and labor-consuming, etc., and achieve the goal of improving customer service level, fast speed, and improving the automation level of loss determination Effect

Inactive Publication Date: 2017-05-31
CHINA PING AN PROPERTY INSURANCE CO LTD
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  • Application Information

AI Technical Summary

Problems solved by technology

The operation steps are complicated and cumbersome, and the normal process of claim settlement usually takes 3-7 da

Method used

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  • Intelligent car insurance self-service claim method, apparatus and system
  • Intelligent car insurance self-service claim method, apparatus and system
  • Intelligent car insurance self-service claim method, apparatus and system

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Embodiment Construction

[0046] The invention provides a self-service claim method, a self-service claim device and a system for intelligent auto insurance. Based on an intelligent loss assessment platform, the client can self-report the case, independently select a repair shop, and use the automatic image recognition technology to upload and shoot vehicle losses that need to be assessed by the customer. Photo recognition and processing, the system quickly and efficiently automatically judges and recognizes the loss of the vehicle, the loss of accessories and the degree of loss, so as to automatically calculate the amount of fixed damage, and complete the self-service claim of auto insurance. The claim settlement process is fast, and the automation level of loss assessment is improved to improve the customer service level.

[0047] In order to make the object, technical solution and effect of the present invention more clear and definite, the present invention will be further described in detail below ...

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Abstract

The invention discloses an intelligent car insurance self-service claim method, apparatus and system. The intelligent car insurance self-service claim method comprises the following steps of receiving a car insurance report request of a client; identifying an identity recognition code of the client, obtaining a license plate number of a car owner according to the identity recognition code, and feeding back options of license plate information and accident process information to the client; after a report submitting signal of the client is received, prompting the client to shoot a car damage photo and insurance document related photos; after the photos uploaded by the client are received, prompting the client to select a repair factory; and performing image identification on the photos uploaded by the client, obtaining a car damage result, calculating a loss assessment amount according to accessory prices and man-hour prices of the repair factory selected by the client and the car damage result, and feeding back the loss assessment amount to the client for confirming the amount. According to the self-service claim method, apparatus and system, self-service claim is realized, survey personnel do not need to participate in loss assessment, and a claim process is quick.

Description

technical field [0001] The invention relates to auto insurance claim settlement and loss determination technology, in particular to a self-service claim method for intelligent car insurance, a self-service claim device and a system. Background technique [0002] With the development of society, there are more and more traffic vehicles, and vehicle insurance is already the first procedure after purchasing a vehicle. With the increase of vehicles, the absolute number of vehicle traffic accidents also increases accordingly. When an insured vehicle is involved in a traffic accident, the first thing the owner must do is to settle the claim. At present, the way of auto insurance claims is generally to call the insurance company by the car owner, wait for the investigators of the insurance company to go to the scene to investigate, wait for the damage to be assessed, submit the documents at the store, and wait for the payment. The operation steps are complicated and cumbersome, a...

Claims

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Application Information

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IPC IPC(8): G06Q40/08G06K9/20G06K9/62
CPCG06Q40/08G06V10/22G06V2201/08G06V20/625G06F18/22G06F18/24G06F18/214
Inventor 林晟郑学军王红萍卢德章李慧生钟军王雄管丽芸陈亘方澄
Owner CHINA PING AN PROPERTY INSURANCE CO LTD
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