Vehicle insurance claim payment method and system

Abstract

The invention discloses a vehicle insurance claim payment method. The vehicle insurance claim payment method comprises the following steps that 1, vehicle usage parameters are acquired by using a user terminal; 2, vehicle usage parameter data and a billing module are associated; 3, the billing module generates and feeds cost information and a payment window back to the user terminal. The invention further discloses a vehicle insurance claim payment system. The vehicle insurance claim payment system comprises the user terminal and a server, wherein the user terminal comprises an input module, a time module, an image audio acquisition device, a GPS device, a gyroscope, an accelerometer, a wireless communication chip, a storage chip, a display device and a processor. The storage chip is used for storing information, and the information is uploaded to the server through the processer and the wireless communication chip. The vehicle insurance claim payment method and system has the advantages that a user can use the user terminal according to his / her actual situation, no cost is produced when the user terminal is not used, the user terminal begins to record parameters when being not used, and more real and accurate calculation and payment are achieved according to the accident occurrence situation, ordinary vehicle usage parameters and the like.

Description

technical field [0001] The invention belongs to the technical field of communications, and in particular relates to a method and system for auto insurance compensation. Background technique [0002] During the driving process of the vehicle, there will be a huge accident risk. Therefore, the avoidance of the accident risk has huge commercial and social value. [0003] Most of the current risk avoidance mechanisms rely on the insurance company's motor vehicle insurance, and motor vehicle insurance is based on one year as the insurance period, usually a one-time charge for one year, and can only be charged according to the uniform standard of the model and the amount of compensation. It cannot meet the needs of vehicle users to obtain risk avoidance on demand. In addition, for new car insurance and replacement insurance company insurance, it is necessary to inspect the appearance of the vehicle in advance; and when paying insurance premiums, differentiated pricing is usually ...

AI Technical Summary

Problems solved by technology

[0003] Most of the current risk avoidance mechanisms rely on the insurance company's motor vehicle insurance, and motor vehicle insurance is based on one year as the insurance period, usually a one-time charge for one year, and can only be charged according to the uniform standard of the model and the amount of compensation. It cannot meet the needs of vehicle users to obtain risk avoidance on demand

In addition, for new car insurance and replacement insurance company insurance, it is necessary to inspect the appearance of the vehicle in advance; and when paying insurance premiums, differentiated pricing is usually made based on the previous year’s accident records. In fact, vehicle users The real usage is not considered in the case of insurance premiums, and it is difficult to collect the real usage data of daily vehicles, and it is difficult to promote on a large scale

[0004] When actually using an insurance company to pay and settle claims, the insurance company usually has rich experience and a mature judgment process for accident liability determination and accident loss determination, but it is usually unable to effectively determine the time and place of the accident. Defrauding the insurance money leaves room for it; sometimes when an accident occurs, the user often has to wait for the insurance personnel to go to the scene or send the vehicle to the 4S shop. Only experienced technicians can determine the damage and get the compensation after inspection, which is a waste of time and money. energy

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