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A method for working a large passenger car insurance premium evaluation device

A working method and evaluation device technology, applied in vehicle components, transportation and packaging, data processing applications, etc., can solve the problems of low correlation of insurance premiums and few large passenger cars

Active Publication Date: 2019-01-18
JIANGSU UNIV OF TECH
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  • Abstract
  • Description
  • Claims
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AI Technical Summary

Problems solved by technology

For large passenger vehicles, insurance premiums are mainly calculated based on the vehicle’s brand, original value, service life, and accidents in recent years. It is less related to the causes of large passenger vehicle accidents than to insurance premiums. lower

Method used

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  • A method for working a large passenger car insurance premium evaluation device
  • A method for working a large passenger car insurance premium evaluation device
  • A method for working a large passenger car insurance premium evaluation device

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Embodiment Construction

[0121] The present invention will be further described below in conjunction with the accompanying drawings and embodiments.

[0122] The present invention proposes a working method for the insurance premium evaluation device of a large passenger car equipped with a manual transmission, such as figure 1 shown, including the following steps:

[0123] Step 1, execute the fatigue driving time evaluation procedure;

[0124] Step 2: Execute the fatigue driving action evaluation procedure;

[0125] Step 3, obtaining the gear position signal of the current vehicle gearbox;

[0126] Step 4: Judgment is made based on the gearbox gear signal obtained in step 3; if the gearbox is in the forward gear, it first enters five parallel processing procedures: abnormal time operation evaluation procedure, vehicle overload assessment procedure, and forward distance assessment between vehicles program, positive overspeed evaluation program and seat belt use evaluation program, and then perform c...

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Abstract

The invention discloses a working method of an insurance premium evaluation device for a large passenger car, belonging to the field of safe driving evaluation of passenger cars. A method for a vehicle equipped with a manual / automatic transmission includes performing a fatigue drive time and motion evaluation procedure; acquiring a current vehicle gear signal for judging; perform abnormal time operation assessment procedures, vehicle overload assessment procedures, inter-vehicle forward / reverse distance assessment procedures, forward / reverse overspeed assessment procedures and seat belt use assessment procedures in accordance with conditions; acquiring current vehicle brake pedal and accelerator pedal signals for judgment; implementing handbrake use evaluation procedure and carrying out comprehensive weighted evaluation; so that loop control. The invention evaluates the overload situation of the large passenger car, the use of the seat belt between the driver and the passenger, the overspeed situation of the vehicle, the driving time and the driving action of the driver and other aspects, calculates the insurance premium rate with a high degree of relevance to the accident of the vehicle, and improves the rationality, reliability and scientificity of the insurance premium rate.

Description

technical field [0001] The invention belongs to the field of passenger car safety driving evaluation, in particular to a working method of a large passenger car insurance premium evaluation device. Background technique [0002] In recent years, large-scale passenger car accidents, mainly passenger cars, have occurred frequently. The main causes of accidents are overloading, rear-end collision, driver fatigue driving, failure to drive within the specified time, passengers not using seat belts as required, and vehicle seat belt failure. For large passenger vehicles, insurance premiums are mainly calculated based on the vehicle’s brand, original value, service life, and accidents in recent years. It is less related to the causes of large passenger vehicle accidents than to insurance premiums. lower. Through research, it is found that insurance companies urgently need to calculate insurance premiums from a new perspective. Contents of the invention [0003] In order to solve...

Claims

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Application Information

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IPC IPC(8): G06Q40/08B60R16/023
CPCB60R16/0232G06Q40/08
Inventor 范鑫杨银忠夏长高贝绍轶周叙荣韩冰源张兰春
Owner JIANGSU UNIV OF TECH
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