Non-vehicle insurance assessment remote online video survey system and survey method

Abstract

The invention discloses a non-vehicle insurance assessment remote online video survey system. The system comprises a case structured information processing subsystem, a case online remote video acquisition subsystem and a system user. The system user uses a smart phone or a computer to perform data interaction with the case structured information processing subsystem and the case online remote video acquisition subsystem through a Unicom network, a telecommunication network or a mobile network so as to realize insurance assessment remote online video survey. According to the non-vehicle insurance assessment remote online video survey system, rapid acquisition of insurance case field information and online case identification are realized, and online loss assessment and claim settlement byassessors are facilitated. The client role is converted into the on-site assessor, the scheduling pressure of the assessor is released, and the client does not need to wait for the survey personnel inplace, so that the client experience and satisfaction are improved, and a large amount of on-site survey labor cost is saved.

Description

technical field [0001] The present invention relates to a remote online video investigation system and investigation method for non-auto insurance insurance adjustment, and more specifically, to a non-auto insurance insurance adjustment remote monitoring system in which the adjustment personnel obtain on-site evidence through video communication with the contact person at the scene of the accident. Online video survey system and survey method. Background technique [0002] At present, non-auto insurance insurance adjustment cases mainly rely on the on-site survey of the adjuster to realize the investigation of the cause of the loss, the determination of the amount of the loss, and the judgment of the degree of loss. This traditional model has the following disadvantages: First, the insured needs to maintain the scene of the accident , waiting for the arrival of the assessors, especially for cases of accidents in different places, which wastes the customer’s time and is likel...

AI Technical Summary

Problems solved by technology

[0002] At present, non-auto insurance insurance adjustment cases mainly rely on the on-site survey of the adjuster to realize the investigation of the cause of the loss, the determination of the amount of the loss, and the judgment of the degree of loss. This traditional model has the following disadvantages: First, the insured needs to maintain the scene of the accident , waiting for the arrival of the assessors, especially for cases of accidents in different places, which wastes the customer’s time and is likely to adversely affect the customer service experience of the insurer; During the rescue, the client often cannot wait for the adjuster to arrive at the scene, and destroys the accident scene in advance, which affects the accuracy of the determination of the cause of loss, the amount of loss and the degree of loss; It consumes the effective working time of the adjusters and increases labor costs; Fourth, each insurance case has no formatted electronic data retention, which is not conducive to the accumulation of data, and it is impossible to use big data analysis methods to mine the effective value

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