Vehicle collision automatic loss assessment method and system based on non-technical factors

Abstract

The invention provides a loss assessment method after vehicle collision. The method comprises the following steps: (a) receiving information of a vehicle to be subjected to loss assessment; (b) calculating an initial loss assessment amount of a vehicle to be subjected to loss assessment; (c) applying one or more non-technical adjustments to the calculated loss assessment amount; and (d) taking theadjusted loss assessment amount as the loss assessment amount of the vehicle to be subjected to loss assessment. According to the loss assessment method of the invention, a series of non-technical adjustments can be dynamically applied on the basis of a conventional loss assessment method, and technical factors and non-technical factors involved in the loss assessment process are integrated together, so that rapid, accurate and personalized loss assessment can be realized without manual intervention, the effect of human factors in loss assessment is reduced or eliminated, and the loss assessment standard is unified.

Description

technical field [0001] The invention relates to the field of vehicle insurance, in particular to a damage determination method and system after vehicle collision. Background technique [0002] The process of estimating damage after a vehicle collision (referred to as damage assessment) typically takes into account a variety of technical factors, including parts prices, repair hours, and local labor rates. The damage determination based on technical factors needs to be determined according to the above-mentioned multiple technical factors after determining the damaged parts and the degree of damage, which requires the insurance company or a third party to continuously maintain various vehicle brands, years, models, part types, parts Database of prices, maintenance hours, labor rates, corresponding maintenance logic, etc. However, there are challenges in achieving a damage assessment that is acceptable to both the insurance company and the repairer. For example, it is often ...

AI Technical Summary

Problems solved by technology

Therefore, in many cases, the existing loss determination methods and systems are only used as a reference, and cannot adapt to the dynamic changes of the market, and may lead to multiple rounds of price negotiations

For example, using the existing damage assessment system sometimes takes days or even weeks to reach an agreement, so there are problems of inefficiency, high labor costs and high error rates, which reduce customer satisfaction

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