A vehicle accident solution optimization system

Abstract

The invention discloses a vehicle accident solution optimization system. The system comprises a vehicle accident solution optimization model, the vehicle accident solution optimization model comprisesa data source, a data layer, an algorithm layer and an output layer, the data source is used as the input of the data layer, the output of the data layer is used as the input of the algorithm layer,and the output of the algorithm layer is used as the output basis of the output layer; wherein the data source comprises vehicle characteristics, insurance data, vehicle fee data, credit investigationdata and crawler data; The output layer comprises automobile insurance and non-automobile insurance; According to the vehicle accident solution optimization system, whether the accident occurs is converted into a plurality of accident factors; Through a data layer data integration and intelligent evaluation system based on big data, a logic formula and a series of assumption conditions are used for conversion to finally obtain a result, floating and discounts of insurance amount of a vehicle in the next year are compared with each other, and finally an optimal insurance scheme is obtained.

Description

technical field [0001] The invention relates to the field of vehicle insurance, in particular to a vehicle accident solution optimization system. Background technique [0002] In today's society, with the development of science and technology and the improvement of people's living standards, there are more and more people who own cars, and it is inevitable that there will be large and small accidents during the use of daily vehicles. It is very important for an enterprise to reduce costs. For example, some small accidents and scratches do not need to be dealt with, and spare parts can be replaced independently; [0003] At present, in case of general vehicle accident, it is necessary to ensure that the owner meets the following three conditions: [0004] 1. No accident in the first year; [0005] 2. The number of accidents is less than two (including two); [0006] 3. The compensation amount in the first year is lower than the premium amount. See attached picture for det...

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Problems solved by technology

[0005] 2. The number of accidents is less than two times (including two times);

[0009] In the case of no insurance or only third-party insurance, vehicles will not be repaired after an accident, spare parts will not be replaced or spare parts will be insufficient, and there will be a lack of professional vehicle management personnel and other reasons, which will lead to delays in maintenance and affect business operations.

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