An automobile insurance claim settlement anti-fraud system

Abstract

An automobile insurance claim settlement anti-fraud system belonging to the technical field of automobile insurance system, includes an information backup module, processing module, a claim module, auser or vehicle accesses a user or a vehicle history case through a user or a vehicle information unit when the user or the vehicle handles the vehicle insurance, compares with the blacklist in the system, only when there is no conflict with the blacklist, the business is conducted, the business is received through a receiving unit in the event of an accident to the user or vehicle, and then the prospecting unit discharges the reconnaissance personnel to collect evidence on the spot, and then forensic data or reports are uploaded, as the safety of the vehicle is checked such as whether the airbag is open, and whether the brake is working properly, after the reasonableness of human or vehicle damage is analyzed by the crash analysis unit, the authenticity of the accident is identified and checked by vehicle maintenance and personnel treatment costs, and the early warning unit is used to open a green channel for normal claim settlement, and further complex analysis of high-risk cases iscarried out, and the fraud cases are analyzed for judicial intervention and blackening.

Description

technical field [0001] The invention relates to the technical field of auto insurance systems, in particular to an anti-fraud system for auto insurance claims. Background technique [0002] Vehicle insurance, that is, motor vehicle insurance, referred to as auto insurance, also known as auto insurance. It refers to a kind of commercial insurance that is liable for personal injury or property damage caused by motor vehicles due to natural disasters or accidents. Automobile insurance is a kind of property insurance. In the field of property insurance, auto insurance is a relatively young insurance type. This is because auto insurance is produced and developed with the emergence and popularization of automobiles. At the same time, different from modern motor vehicle insurance, in the initial stage of automobile insurance, the third party liability insurance of the automobile was the main insurance, and gradually expanded to the risks such as the collision loss of the body. ...

AI Technical Summary

Problems solved by technology

[0003] With the development of society, the quality of life of the people has improved, and more and more people are buying cars. However, some lawbreakers defraud insurance companies of compensation by applying for auto insurance and forging accident scenes. There are more and more fraudulent methods. Insurance incidents occur frequently, especially in the field of auto insurance. There are endless means of defrauding insurance, and there are many tricks, which make auto insurance companies suffer at any time. Insurance fraudsters often commit crimes in gangs. The joint auto repair company even bribes loss assessment personnel to defraud insurance. The field of auto insurance currently does not have a set of efficient preventive measures. It mainly relies on manual investigation to detect fraud cases. The efficiency of manual identification is low and the cost is high.

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