Claim management system and method for scratching and appearance damage in a parking lot

Abstract

The invention relates to a claim management system and method for scratching and appearance damage in a parking lot. The method provides a quick and simple compensation method for scratching accidentsin a parking lot for the parking owner on the premise of ensuring the parking lot benefit, and does not affect the insurance premium of the car owner in the following year. The system is composed ofthe core subsystems, such as an exit viewfinder system, an entrance viewfinder system, a parking lot aisle camera, a server cluster, an insurance cooperation interface, a platform insurance audit subsystem, and a parking lot management subsystem. A panoramic view of the vehicle is taken through the entrance viewfinder system when the owner enters the parking lot, and then the owner drives the carinto the parking lot; if any scratching occurs during the period, the owner of the vehicle collects evidence and requests for settlement of claims on the spot according to the evidence collection requirements through the platform; after the system accepts the claim settlement request, the auditor reviews the claim, and the system platform automatically pays compensation to the owner of the vehicleaccording to the premium amount of the parking lot; to the system achieves the purpose of compensation for scratching, simple compensation procedures, safe parking and no influence on insurance premium when the car owner parks in the parking lot.

Description

[0001] explain: [0002] The annual fee insurance model means that the parking lot is insured according to the model of paying the total fee for one year, which has nothing to do with each parking fee; [0003] The business flow insurance model means that the parking lot does not pay the insurance fee when applying for the insurance, and the insurance fee is charged according to a certain ratio from each parking fee (there is a minimum fee limit); [0004] On-site means inside the parking lot; [0005] off-site means outside the parking lot; [0006] The insured subject refers to the parking lot or parking space management place; [0007] The parking lot system management cloud service platform refers to the integrated management service platform of the entire parking lot, which builds an overall operation service platform through the Internet of Things model, including the insurance business management provided by the platform for the parking lot. Abbreviation: YYBC-NMOIPL; ...

AI Technical Summary

Problems solved by technology

According to the national law, the parking lot that charges the fee should be responsible for the scratching behavior, but at present, due to technical and management defects, most parking lots cannot find the scratcher, so it is impossible to determine the payer, and the parking lot must pay. If there are too many accidents, it will cause conflicts among all parties, and even in many parking lots, it is clearly stated that the car owners are not responsible for the scratching behavior, and so on; There will be great worries about parking in the venue. Once a scratch occurs, it is not worthwhile to go to the insurance company to apply for a claim (if the complexity of the application process is ignored, because the amount of compensation is not high, it will affect the next year’s premium); Under such a realistic background, on the premise of ensuring the interests of the parking lot, our company uses its own system platform technical means and the platform's compensation mechanism for scratching behaviors to make up for this social phenomenon, so that car owners can park with confidence and help the parking lot improve. Its management mechanism solves the problem of parking scratches in the venue;

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