A method and a system for remotely processing automobile insurance claim settlement business

Abstract

The invention relates to a method and a system for remotely processing automobile insurance claim settlement business. The method mainly comprises the following steps: S1, a vehicle owner verifies identity information and vehicle information through a client; S2: after the accident is reported, a surveyoer end is connected to the client end; S3: the surveyor and the owner of the vehicle jointly carry out verification and evidence collection; S4: supervision of forensics process is performed; S5: if the a supervisor objects to the evidentiary process, a review is conducted; S6: a repair shop formulates the maintenance plan and estimates the cost; S7: the claim settlement plan is determined and quickly approved for paying the compensation amount; S8: processing results are fed back for analysis and improvement. The system comprises a client end, a surveyor end, a supervisor end, a reviewer end, a repair shop end, a claim settlement terminal and an Internet. In a word, the invention has the advantages of excellent method, perfect system, safety and high efficiency, etc.

Description

technical field [0001] The invention belongs to the technical field of insurance claims, and in particular relates to a method and system for remotely processing auto insurance claims. Background technique [0002] Automobile insurance refers to a kind of commercial insurance that is liable for personal injury or property damage caused by natural disasters or accidents. With the development of the economy, the number of motor vehicles continues to increase. At present, motor vehicle insurance has become the largest type of insurance in China's property insurance business. Motor vehicle insurance has covered most of the dangerous automobile accidents. The Ministry of Communications of China has compelled car buyers to purchase motor vehicle insurance to ensure that the legitimate rights and interests of victims are protected in car accidents. For example, compulsory traffic insurance is a type of insurance aimed at protecting the rights and interests of third parties. [0...

AI Technical Summary

Problems solved by technology

However, this type of insurance has the following problems: 1. The surveyors cannot conduct on-site verification, and there may be a phenomenon that the car owner forged the scene; 2. The car owner is not familiar with the accident evidence collection process, and self-service evidence collection is easy to destroy the scene or incomplete evidence collection; 3. The surveyor and the owner's system processing process are unsupervised, and problems cannot be corrected in time, and there may be insurance fraud

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