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Automobile insurance claim settlement method and system

An auto insurance and risk technology, applied in the field of auto insurance claims settlement methods and systems, can solve the problems of difficult management and high cost of self-built service networks, and achieve the effect of improving the quality of cases, improving the efficiency of claim settlement, and reducing the cost of claim settlement.

Inactive Publication Date: 2018-02-09
民太安财产保险公估股份有限公司
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AI Technical Summary

Problems solved by technology

[0003] At present, the business of small and medium-sized insurance companies is gradually developing across the country, and the cost of self-built service network is high and management is difficult

Method used

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  • Automobile insurance claim settlement method and system
  • Automobile insurance claim settlement method and system

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Experimental program
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Embodiment approach

[0044] As an implementation, the auto insurance claim settlement system also includes:

[0045] Risk rule library module: establish a risk rule library containing multiple preset risk rule models according to preset risk factors;

[0046] Training module: Use historical case data to train the preset risk rule model, modify and improve the preset risk factors and risk rule library.

[0047] As an implementation, the auto insurance claim settlement system also includes:

[0048] Timeliness assessment module: record the time when surveyors / authorized surveyors accept applications and upload survey information, survey conclusions and loss assessment information, and conduct assessments according to preset timeliness assessment rules.

[0049] As an implementation, the auto insurance claim settlement system also includes an intelligent damage assessment module: identify the pictures of the lost parts in the survey information, collect the lost parts, identify the degree of loss, a...

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Abstract

The embodiments of the present invention disclose an automobile insurance claim settlement method and system. The method includes the following steps that: the case information of a reported case is received, a survey task is assigned according to a preset dispatching rule; uploaded survey information is received, an OCR technology is adopted to identify driving certificate, driving license and license plate information contained in the survey information; uploaded survey result and loss assessment information is received, a speech recognition technology is adopted to convert speech information into a text; risk control information is calculated by using a preset risk rule model according to the survey information and the case information, and improved case information is received; the case information is sent to a review end for reviewing the case information; and after the case passes review, the case information is transcribed to a corresponding insurance company system. According to the automobile insurance claim settlement method and system provided by the embodiments of the present invention, the scientific level and efficiency of insurance claim settlement are improved through intelligent dispatching, intelligent image recognition, intelligent speed and intelligent loss assessment; the full-process early warning and troubleshooting of the insurance claim settlement are realized through an intelligent risk control system; case frauds and leakage risks are reduced; and case quality can be improved.

Description

technical field [0001] The invention relates to the technical field of auto insurance claims, in particular to a method and system for auto insurance claims. Background technique [0002] With the development of society, the number of car ownership continues to grow; with the continuous introduction of national fee reform policies, the number of car accident reports is gradually declining; the labor cost of adjusters continues to rise, and the profit margin of the insurance adjustment industry continues to shrink; [0003] At present, the business of small and medium-sized insurance companies is gradually developing across the country, and the cost of self-built service network is high and management is difficult. Small and medium-sized insurance companies have more and more demands for public claim settlement service platforms; as car owners become younger, the requirements for claim settlement services are getting higher and higher; [0004] With the development of artifi...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/08G06Q10/10G06F17/30
CPCG06F16/24564G06Q10/103G06Q40/08
Inventor 胡赤平石凯
Owner 民太安财产保险公估股份有限公司
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