Traffic accident handling system and method based on Internet of Things

Abstract

The invention relates to a traffic accident handling system and method based on the Internet of Things. The system includes a vehicle-mounted client side, a responsibility determining server side, a damage assessment server side and a claim settlement server side accessed to the Internet of Things; the vehicle-mounted client side is used for recording an accident state image of a vehicle on the spot, is also used for checking a responsibility division text and a damage degree text, and is also used for providing an accident vehicle owner identification document required for an insurance service to the claim settlement server side; the responsibility determining server side is used for generating a responsibility division text of an accident vehicle owner, the damage assessment server side is used for generating a damage extent text of a vehicle, and the responsibility determining serer side and the damage assessment server side are also used for sending the responsibility division text and damage extent text to the claim settlement server side in an on-line mode; and the claim settlement server side is used for performing an on-line claim settlement service according to an accident state image of the vehicle, the responsibility division text, the damage extent text and the accident vehicle owner identification document. The system provided by the invention simplifies responsibility determination and claim settlement procedures and improves traffic accident handling efficiency.

Description

technical field [0001] The invention relates to the technical field of the Internet of Things, in particular to a system and method for handling traffic accidents based on the Internet of Things. Background technique [0002] With the progress of the times, vehicles have become an indispensable means of transportation for outdoor travel and are showing a growing trend, followed by an increase in the rate of traffic accidents. The existing traffic accident handling mode is: report the case to the traffic management department and the insurance company → the traffic management department rushes to the traffic accident scene to deal with it, and issues a traffic accident certificate → the relevant personnel of the insurance company investigate and inspect the traffic accident scene Damage assessment → car owner submits claim materials to the insurance company → insurance company gives the claim settlement result; in this process, personnel from the traffic management department...

AI Technical Summary

Problems solved by technology

The existing traffic accident handling mode is: report the case to the traffic management department and the insurance company → the traffic management department rushes to the traffic accident scene to deal with it, and issues a traffic accident certificate → the relevant personnel of the insurance company investigate and inspect the traffic accident scene Damage assessment → car owner submits claim materials to the insurance company → insurance company gives the claim settlement result; in this process, personnel from the traffic management department need to go to the scene to collect evidence and take pictures and divide responsibilities, and then the insurance company needs to go to the scene to determine the damage In the end, the parties need to go to the insurance company to submit relevant materials and wait for the claims settlement company to settle the claims; from this point of view, the existing claim settlement model needs to spend a lot of time on the traffic management department, the insurance company and the parties, which makes the procedures for determining liability and claim settlement complicated and difficult. low efficiency

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