Car insurance claim settlement method and device, computer equipment and storage medium

Abstract

The invention relates to the field of data processing, in particular to a car insurance claim settlement method and device, computer equipment and a storage medium. The method comprises the steps of receiving claim settlement information of a target accident vehicle; the claim settlement information comprises accident detail information when the target accident vehicle has the target accident; judging whether the target accident meets a preset claim settlement standard or not according to the accident detail information to obtain a claim settlement judgment result; when the claim settlement judgment result indicates that the target accident meets the preset claim settlement standard, performing face recognition on a target user corresponding to the target accident vehicle to obtain a face recognition result; when the face recognition result indicates that the target user passes the face recognition, skipping to a preset claim settlement window; performing real-time image acquisition on the target accident through a preset claim settlement window to obtain accident image data; and generating a claim settlement result according to the accident image data and the accident detail information. People do not need to arrive at the site for survey, the claim settlement process is simplified, and the claim settlement efficiency is improved.

Description

Technical Field

[0001] The present invention relates to the field of data processing, and in particular to a method, device, computer equipment and storage medium for automobile insurance claims. Background Art

[0002] With the rapid development of social economy, cars have become one of the essential means of transportation for everyone. With the popularization of cars, users' demand for vehicle insurance is also increasing. At present, when most insurance companies conduct insurance claims inspections on cars involved in accidents, they need the inspectors to take videos and photos on site with their mobile phones or cameras, and then the internal auditors of the insurance company will verify the damage of the videos or photos, and then print out the audited insurance claim form and give it to the customer. This is time-consuming and inefficient. Summary of the invention Based on this, it is necessary to provide a car insurance claims method, device, computer equipment and storage medium to address the above technical issues, so as to solve the problem that existing car insurance claims are time-consuming and inefficient.

[0003] A method for settling car insurance claims, comprising: Receive the claim settlement information of the target accident vehicle; the claim settlement information includes the accident details information when the target accident vehicle occurs the target accident; Determine whether the target accident meets the preset claim standards based on the accident details information, and obtain a claim judgment result; When the claim judgment result indicates that the target accident meets the preset claim standard, performing face recognition on a target user corresponding to the target accident vehicle to obtain a face recognition result; When the face recognition result indicates that the target user has passed the face recognition, jump to a preset claim window; Real-time image acquisition of the target accident is performed through the preset claim settlement window to obtain accident image data; A claim settlement result is generated based on the accident image data and the accident detail information.

[0004] A vehicle insurance claims settlement device, comprising: A claim settlement information module, used to receive claim settlement information of a target accident vehicle; the claim settlement information includes accident details information when the target accident vehicle has a target accident; A claim judgment result module is used to judge whether the target accident meets the preset claim criteria according to the accident details information, and obtain a claim judgment result; A face recognition module, configured to perform face recognition on a target user corresponding to the target accident vehicle to obtain a face recognition result when the claim judgment result indicates that the target accident meets the preset claim standard; A claim window module, used for jumping to a preset claim window when the face recognition result indicates that the target user has passed the face recognition; An image data module, used to collect real-time images of the target accident through the preset claim settlement window to obtain accident image data; The claim result module is used to generate a claim result based on the accident image data and the accident detail information.

[0005] A computer device includes a memory, a processor, and computer-readable instructions stored in the memory and executable on the processor. When the processor executes the computer-readable instructions, the above-mentioned vehicle insurance claim settlement method is implemented.

[0006] One or more readable storage media storing computer-readable instructions, which, when executed by one or more processors, enable the one or more processors to execute the above-mentioned auto insurance claims method.

[0007] The above-mentioned auto insurance claims method, device, computer equipment and storage medium, the method includes: receiving the claims information of the target accident vehicle; the claims information includes the accident details information when the target accident vehicle has a target accident; judging whether the target accident meets the preset claims standard according to the accident details information, and obtaining the claims judgment result; when the claims judgment result indicates that the target accident meets the preset claims standard, performing face recognition on the target user corresponding to the target accident vehicle to obtain the face recognition result; when the face recognition result indicates that the target user passes the face recognition, jumping to the preset claims window; performing real-time image acquisition of the target accident through the preset claims window to obtain accident image data; generating the claims result according to the accident image data and the accident details information. The present invention does not require insurance company staff, police or traffic police to arrive at the target accident site for investigation, simplifies the claims process, shortens the claims time, and improves the claims efficiency. BRIEF DESCRIPTION OF THE DRAWINGS

[0008] In order to more clearly illustrate the technical solutions of the embodiments of the present invention, the accompanying drawings required for use in the description of the embodiments of the present invention will be briefly introduced below. Obviously, the accompanying drawings in the following description are only some embodiments of the present invention. For ordinary technicians in this field, other accompanying drawings can be obtained based on these accompanying drawings without paying creative labor.

[0009] Figure 1 is a schematic diagram of an application environment of a method for car insurance claims settlement in one embodiment of the present invention; Figure 2 is a flow chart of a method for settling claims for automobile insurance in one embodiment of the present invention; Figure 3 is a schematic diagram of the structure of a vehicle insurance claims settlement device in one embodiment of the present invention; Figure 4 is a schematic diagram of a computer device in one embodiment of the present invention. DETAILED DESCRIPTION

[0010] The following will be combined with the drawings in the embodiments of the present invention to clearly and completely describe the technical solutions in the embodiments of the present invention. Obviously, the described embodiments are part of the embodiments of the present invention, not all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by ordinary technicians in this field without creative work are within the scope of protection of the present invention.

[0011] The car insurance claim settlement method provided in this embodiment can be applied in the following cases: Figure 1 In an application environment, a client communicates with a server. The client includes but is not limited to various personal computers, laptops, smart phones, tablet computers, and portable wearable devices. The server can be implemented with an independent server or a server cluster consisting of multiple servers.

[0012] In one embodiment, if Figure 2 As shown, a method for car insurance claims is provided, and the method is applied in Figure 1 The server in the example is used as an example to illustrate the following steps: S10. Receive the claim settlement information of the target accident vehicle; the claim settlement information includes the accident details information when the target accident vehicle has a target accident.

[0013] Understandably, the target accident vehicle refers to the vehicle involved in the accident, and here, it refers to the vehicle involved in the accident that needs to be evaluated for claims. Claims information refers to the relevant information about the target accident used for auto insurance claims by the target accident vehicle, including but not limited to the accident details information when the target accident vehicle has the target accident. Among them, the accident details information includes the time, location, time, vehicle damage, and casualties of the target accident.

[0014] S20: Determine whether the target accident meets the preset claim settlement standard according to the accident details information, and obtain a claim settlement judgment result.

[0015] Understandably, the preset claim standard refers to a pre-set claim standard. Here, the preset claim standard may refer to the three-free claim standard of no inspection, no waiting, and no alarm. The three-free claim standard is used to determine whether the target accident can be exempted from inspection, no waiting, and no alarm. For the target accident that can be exempted from inspection, no waiting, and no alarm, claims can be quickly settled.

[0016] Optionally, the accident details information includes the time of occurrence, location of occurrence and personal injury information of the target accident; understandably, the time of occurrence refers to the time when the target accident occurred; the location of occurrence refers to the location where the target accident occurred, and the personal injury information refers to the casualties in the target accident.

[0017] Further, in step S20, that is, judging whether the target accident meets the preset claim standard according to the accident details information, and obtaining the claim judgment result, includes: S201, determining whether the occurrence time is the working time of the target claims adjuster, and obtaining a time determination result; S202, determining whether the occurrence location is within a preset claim settlement section, and obtaining a location determination result; S203, determining whether anyone is injured in the target accident according to the personal injury information, and obtaining an injury determination result; S204: Obtain the claim judgment result according to the time judgment result, the location judgment result and the injury judgment result.

[0018] Understandably, the target claims adjuster refers to the staff member who handles claims cases. Here, the target claims adjuster may refer to the traffic police or police officer involved in the traffic accident. Working hours refer to the time period during which the target claims adjuster normally works. For example, if the target accident occurs at 3 pm, and the target claims adjuster's working hours are from 9 am to 5 pm, then the time judgment result is "yes". The preset claims section refers to a pre-set section area. Here, when the preset claims standard is the three-free claims standard, the preset claims section refers to a section exempt from inspection. Personal injury information refers to the injury information of the persons involved in the target accident. In this way, the claim judgment result can be quickly determined through the time, location and personal injury information of the target accident.

[0019] Optionally, the claim judgment result includes a first claim judgment result and a second claim judgment result; Furthermore, in step S204, the claim judgment result is obtained according to the time judgment result, the location judgment result and the injury judgment result, including: S2041, when the time judgment result indicates that the time of occurrence is the working hours of the target claims adjuster, the location of occurrence is in a preset claims section, and no one is injured in the target accident, a first claims judgment result indicating that the target accident meets the preset claims standard is generated; S2042. When the time judgment result indicates that the time of occurrence is not the working hours of the target claims adjuster, the location of occurrence is not in the preset claims section, or someone is injured in the target accident, a second claims judgment result is generated indicating that the target accident does not meet the preset claims standards.

[0020] Understandably, the first claim judgment result refers to the result that the target accident meets the preset claim standards. The second claim judgment result refers to the result that the target accident does not meet the preset claim standards. By making a comprehensive judgment on the time, location and injury of the target accident, it is helpful to quickly identify claims that meet the preset claim standards, thereby improving the efficiency of the claims process and customer experience.

[0021] S30. When the claim judgment result indicates that the target accident meets the preset claim standard, perform face recognition on the target user corresponding to the target accident vehicle to obtain a face recognition result.

[0022] Understandably, the target user refers to the insurance holder or driver associated with the target accident vehicle. The face recognition result refers to the result obtained by face recognition of the target user, which is used to indicate whether the target user has passed the verification to ensure that the person making the claim request is the insurance holder or driver, which enhances the security of identity authentication and reduces the risk of identity fraud.

[0023] S40: When the face recognition result indicates that the target user has passed the face recognition, jump to a preset claim settlement window.

[0024] Understandably, after the target user passes the face recognition, he will be redirected to the claim processing interface, that is, to the preset claim window. Here, the preset claim window can refer to the traffic accident responsibility determination window. Through the preset claim window, the target user can remotely connect with the police or traffic police and take pictures of the target accident scene under the guidance of the police or traffic police. In this way, there is no need for insurance company staff, police or traffic police to arrive at the target accident scene, which simplifies the claim process, shortens the claim time, and improves the claim efficiency.

[0025] S50: Collect real-time images of the target accident through the preset claim settlement window to obtain accident image data.

[0026] Understandably, the preset claim window may refer to the traffic control accident liability determination window, and the accident image data refers to the photos or video data of the accident scene obtained through image acquisition. For example, the target user takes photos or videos of the damaged parts of the accident vehicle through the mobile phone camera in the preset claim window. In this way, evidence of the accident scene can be obtained in real time, providing an important basis for the claim decision, and obtaining the accident image data through the traffic control accident liability determination window makes the acquired accident image data more convincing and formal.

[0027] S60: Generate a claim settlement result according to the accident image data and the accident detail information.

[0028] Understandably, the claim result refers to the claim decision generated based on the accident details, liability determination and insurance terms, including information such as the amount of compensation and the method of compensation. After acquiring the accident image data, an accident responsibility determination letter can be generated based on the accident image data and the accident details; further, a claim result is generated based on the accident responsibility determination letter, the accident image data and the accident details.

[0029] Optionally, in step S60, that is, generating a claim settlement result according to the accident image data and the accident detail information, includes: S601, generating an accident responsibility determination document according to the accident image data and the accident details information; S602: Generate the claim settlement result according to the accident responsibility determination letter, the accident image data and the accident detail information.

[0030] Understandably, the accident responsibility determination is an official document used to explain the responsibility and proportion of the accident. It should be understood that the generation of the accident responsibility determination clarifies the responsibility for the accident, provides a legal basis for subsequent claims, and makes the claims more standardized and legal. Furthermore, the specific content of the claim is determined based on the accident responsibility determination, accident image data, and accident details information, ensuring the accuracy of the claim decision and improving the efficiency of the claim.

[0031] Optionally, in step S602, generating the claim settlement result according to the accident responsibility determination letter, the accident image data and the accident detail information includes: S6021. Obtain the automobile insurance policy of the target accident vehicle; S6022. According to the accident responsibility determination letter, determine whether the target accident falls within the claim scope of the motor vehicle insurance policy; S6023: When the target accident is within the claim scope of the motor vehicle insurance policy, generate the claim result according to the accident image data and the accident detail information.

[0032] Understandably, the auto insurance policy refers to the insurance contract. Generally, the insurance contract lists in detail the insurance terms, insurance coverage, insurance amount and other information. The claim result takes the auto insurance policy into consideration, ensuring that the claim process complies with the provisions of the insurance contract, protecting the rights and interests of both parties to the insurance, avoiding unnecessary claims expenses, and ensuring the financial health of the insurance company. After confirming that the target accident is within the claim scope of the auto insurance policy, the compensation amount and compensation method can be quickly determined based on the accident image data and accident details.

[0033] In steps S10-S60, the claim information of the target accident vehicle is received; the claim information includes the accident details information when the target accident vehicle has a target accident; based on the accident details information, it is determined whether the target accident meets the preset claim standards, and a claim judgment result is obtained; when the claim judgment result indicates that the target accident meets the preset claim standards, face recognition is performed on the target user corresponding to the target accident vehicle to obtain a face recognition result; when the face recognition result indicates that the target user has passed the face recognition, jump to the preset claim window; real-time image acquisition of the target accident is performed through the preset claim window to obtain accident image data; based on the accident image data and the accident details information, a claim result is generated. In this way, there is no need for insurance company staff, police or traffic police to arrive at the target accident site for investigation, which simplifies the claim process, shortens the claim time, and improves the claim efficiency.

[0034] Optionally, after step S60, that is, after generating a claim settlement result according to the accident image data and the accident detail information, the following steps are included: S61. Feedback the claim settlement result to the target user through a preset communication method, so that the target user can confirm the claim settlement result on a communication terminal.

[0035] Understandably, the preset communication method refers to the pre-set communication method between the insurance company and the target user, such as SMS, email, mobile app notification, etc. The communication terminal refers to the device used by the target user to receive the claim results, such as a smartphone, tablet or computer. The claim result refers to the claim decision generated based on the accident details, liability determination and insurance terms, including information such as the amount of compensation and the method of compensation. The confirmation operation refers to the target user's acceptance or rejection of the claim result, which is usually completed by clicking a button or replying to a message. In this way, a mechanism is provided for the target user to provide feedback on the claim results, which increases the transparency and user participation of the claim process.

[0036] It should be understood that the order of execution of the steps in the above embodiment does not necessarily mean the order of execution. The execution order of each process should be determined by its function and internal logic, and should not constitute any limitation on the implementation process of the embodiment of the present invention.

[0037] In one embodiment, a vehicle insurance claim settlement device is provided, and the vehicle insurance claim settlement device corresponds one-to-one to the vehicle insurance claim settlement method in the above embodiment. Figure 3 As shown, the vehicle insurance claim settlement device includes a claim settlement information module 10, a claim settlement judgment result module 20, a face recognition module 30, a claim settlement window module 40, an image data module 50 and a claim settlement result module 60. The functional modules are described in detail as follows: The claim settlement information module 10 is used to receive the claim settlement information of the target accident vehicle; the claim settlement information includes the accident details information when the target accident vehicle has a target accident; The claim judgment result module 20 is used to judge whether the target accident meets the preset claim judgment standard according to the accident details information, and obtain the claim judgment result; A face recognition module 30 is used to perform face recognition on a target user corresponding to the target accident vehicle to obtain a face recognition result when the claim judgment result indicates that the target accident meets the preset claim standard; The claim window module 40 is used to jump to a preset claim window when the face recognition result indicates that the target user has passed the face recognition; An image data module 50 is used to collect real-time images of the target accident through the preset claim settlement window to obtain accident image data; The claim settlement result module 60 is used to generate a claim settlement result according to the accident image data and the accident detail information.

[0038] Optionally, the accident details information includes the time and location of the target accident and the information on injuries of the personnel; The claim judgment result module 20 includes: A time judgment result unit is used to judge whether the occurrence time is the working time of the target claims adjuster and obtain a time judgment result; A location judgment result unit is used to judge whether the occurrence location is in a preset claim settlement section and obtain a location judgment result; An injury determination result unit, used to determine whether anyone is injured in the target accident according to the personal injury information, and obtain an injury determination result; The claim judgment result unit is used to obtain the claim judgment result according to the time judgment result, the location judgment result and the injury judgment result.

[0039] Optionally, the claim judgment result includes a first claim judgment result and a second claim judgment result; Furthermore, the claim judgment result unit includes: A first claim judgment result unit, for generating a first claim judgment result indicating that the target accident meets the preset claim standard when the time judgment result indicates that the occurrence time is the working hours of the target claim adjuster, the occurrence location is in a preset claim section, and no one is injured in the target accident; The second claim judgment result unit is used to generate a second claim judgment result indicating that the target accident does not meet the preset claim standards when the time judgment result indicates that the occurrence time is not the working hours of the target claims adjuster, the occurrence location is not in the preset claim section, or someone is injured in the target accident.

[0040] Optionally, the claim settlement result module 60 includes: A certificate unit, used to generate an accident responsibility certificate based on the accident image data and the accident details information; The claim result unit is used to generate the claim result according to the accident responsibility determination letter, the accident image data and the accident detail information.

[0041] Optionally, the claim result unit includes: A car insurance policy unit, used to obtain the car insurance policy of the target accident vehicle; A scope judgment unit, used to judge whether the target accident falls within the claim scope of the motor vehicle insurance policy according to the accident responsibility determination document; A claim result generating unit is used to generate the claim result according to the accident image data and the accident detail information when the target accident is within the claim scope of the motor vehicle insurance policy.

[0042] Optionally, the vehicle insurance claims settlement device further includes: The result feedback unit is used to feed back the claim result to the target user through a preset communication method, so that the target user can confirm the claim result on the communication terminal.

[0043] For the specific definition of the auto insurance claims settlement device, please refer to the definition of the auto insurance claims settlement method above, which will not be repeated here. Each module in the above auto insurance claims settlement device can be implemented in whole or in part by software, hardware and their combination. The above modules can be embedded in or independent of the processor in the computer device in the form of hardware, or stored in the memory of the computer device in the form of software, so that the processor can call and execute the operations corresponding to the above modules.

[0044] In one embodiment, a computer device is provided. The computer device may be a server, and its internal structure diagram may be as follows: Figure 4As shown. The computer device includes a processor, a memory, a network interface and a database connected through a system bus. Among them, the processor of the computer device is used to provide computing and control capabilities. The memory of the computer device includes a readable storage medium and an internal memory. The readable storage medium stores an operating system, computer-readable instructions and a database. The internal memory provides an environment for the operation of the operating system and computer-readable instructions in the readable storage medium. The database of the computer device is used to store data involved in the motor vehicle insurance claim method. The network interface of the computer device is used to communicate with an external terminal through a network connection. When the computer-readable instructions are executed by the processor, a motor vehicle insurance claim method is implemented. The readable storage medium provided in this embodiment includes a non-volatile readable storage medium and a volatile readable storage medium.

[0045] In one embodiment, a computer device is provided, including a memory, a processor, and computer-readable instructions stored in the memory and executable on the processor, wherein the processor executes the computer-readable instructions to implement the following steps: Receive the claim settlement information of the target accident vehicle; the claim settlement information includes the accident details information when the target accident vehicle occurs the target accident; Determine whether the target accident meets the preset claim standards based on the accident details information, and obtain a claim judgment result; When the claim judgment result indicates that the target accident meets the preset claim standard, performing face recognition on a target user corresponding to the target accident vehicle to obtain a face recognition result; When the face recognition result indicates that the target user has passed the face recognition, jump to a preset claim window; Real-time image acquisition of the target accident is performed through the preset claim settlement window to obtain accident image data; A claim settlement result is generated based on the accident image data and the accident detail information.

[0046] In one embodiment, one or more computer-readable storage media storing computer-readable instructions are provided. The readable storage media provided in this embodiment include non-volatile readable storage media and volatile readable storage media. The readable storage media store computer-readable instructions, and when the computer-readable instructions are executed by one or more processors, the following steps are implemented: Receive the claim settlement information of the target accident vehicle; the claim settlement information includes the accident details information when the target accident vehicle occurs the target accident; Determine whether the target accident meets the preset claim standards based on the accident details information, and obtain a claim judgment result; When the claim judgment result indicates that the target accident meets the preset claim standard, performing face recognition on a target user corresponding to the target accident vehicle to obtain a face recognition result; When the face recognition result indicates that the target user has passed the face recognition, jump to a preset claim window; Real-time image acquisition of the target accident is performed through the preset claim settlement window to obtain accident image data; A claim settlement result is generated based on the accident image data and the accident detail information.

[0047] Those of ordinary skill in the art can understand that all or part of the processes in the above-mentioned embodiment methods can be implemented by instructing related hardware through computer-readable instructions, and the computer-readable instructions can be stored in a non-volatile readable storage medium or a volatile readable storage medium. When the computer-readable instructions are executed, they may include the processes of the embodiments of the above-mentioned methods. Among them, any reference to memory, storage, database or other media used in the embodiments provided in this application may include non-volatile and / or volatile memory. Non-volatile memory may include read-only memory (ROM), programmable ROM (PROM), electrically programmable ROM (EPROM), electrically erasable programmable ROM (EEPROM) or flash memory. Volatile memory may include random access memory (RAM) or external cache memory. By way of illustration and not limitation, RAM is available in many forms, such as static RAM (SRAM), dynamic RAM (DRAM), synchronous DRAM (SDRAM), double data rate SDRAM (DDRSDRAM), enhanced SDRAM (ESDRAM), synchronous link (Synchlink) DRAM (SLDRAM), memory bus (Rambus) direct RAM (RDRAM), direct memory bus dynamic RAM (DRDRAM), and memory bus dynamic RAM (RDRAM), etc.

[0048] Those skilled in the art can clearly understand that for the convenience and simplicity of description, only the division of the above-mentioned functional units and modules is used as an example. In actual applications, the above-mentioned functions can be distributed and completed by different functional units and modules as needed, that is, the internal structure of the device can be divided into different functional units or modules to complete all or part of the functions described above.

[0049] The embodiments described above are only used to illustrate the technical solutions of the present invention, rather than to limit the same. Although the present invention has been described in detail with reference to the aforementioned embodiments, those skilled in the art should understand that the technical solutions described in the aforementioned embodiments may still be modified, or some of the technical features may be replaced by equivalents. Such modifications or replacements do not deviate the essence of the corresponding technical solutions from the spirit and scope of the technical solutions of the embodiments of the present invention, and should all be included in the protection scope of the present invention.

Claims

1. A method for claiming automobile insurance, characterized in that: include: Receive the claim settlement information of the target accident vehicle; the claim settlement information includes the accident details information when the target accident vehicle occurs the target accident; Determine whether the target accident meets the preset claim standards based on the accident details information, and obtain a claim judgment result; When the claim judgment result indicates that the target accident meets the preset claim standard, performing face recognition on a target user corresponding to the target accident vehicle to obtain a face recognition result; When the face recognition result indicates that the target user has passed the face recognition, jump to a preset claim window; Real-time image acquisition of the target accident is performed through the preset claim window to obtain accident image data; A claim settlement result is generated based on the accident image data and the accident detail information.

2. The method for claiming automobile insurance according to claim 1, characterized in that: The accident details information includes the time and location of the target accident and the information on the injuries of the personnel; The determining whether the target accident meets the preset claim standards according to the accident details information to obtain the claim judgment result includes: Determine whether the occurrence time is the working time of the target claims adjuster, and obtain a time determination result; Determine whether the occurrence location is within a preset claim settlement section, and obtain a location determination result; Determine whether anyone is injured in the target accident according to the personal injury information, and obtain an injury judgment result; The claim judgment result is obtained based on the time judgment result, the location judgment result and the injury judgment result.

3. The method for claiming automobile insurance according to claim 2, characterized in that: The claim judgment result includes a first claim judgment result and a second claim judgment result; The claim judgment result is obtained according to the time judgment result, the location judgment result and the injury judgment result, including: When the time judgment result indicates that the time of occurrence is the working hours of the target claims adjuster, the location of occurrence is in the preset claims section, and no one is injured in the target accident, a first claims judgment result is generated indicating that the target accident meets the preset claims standard; When the time judgment result indicates that the time of occurrence is not the working hours of the target claims adjuster, the location of occurrence is not in the preset claims section, or someone is injured in the target accident, a second claims judgment result is generated indicating that the target accident does not meet the preset claims standards.

4. The method for claiming automobile insurance according to claim 1, characterized in that: Generating a claim settlement result according to the accident image data and the accident details information includes: Generate an accident responsibility determination document based on the accident image data and the accident details information; The claim settlement result is generated based on the accident responsibility determination letter, the accident image data and the accident detail information.

5. The method for claiming automobile insurance according to claim 4, characterized in that: Generating the claim settlement result according to the accident responsibility determination letter, the accident image data and the accident details information includes: Obtaining the automobile insurance policy of the target accident vehicle; According to the accident responsibility determination letter, determine whether the target accident falls within the claim scope of the motor vehicle insurance policy; When the target accident is within the claim scope of the motor vehicle insurance policy, the claim result is generated according to the accident image data and the accident detail information.

6. The method for claiming automobile insurance according to claim 1, characterized in that: After generating the claim settlement result according to the accident image data and the accident detail information, the method further comprises: The claim settlement result is fed back to the target user through a preset communication method, so that the target user can confirm the claim settlement result on the communication terminal.

7. A car insurance claims device, characterized in that: include: A claim settlement information module, used to receive claim settlement information of a target accident vehicle; the claim settlement information includes accident details information when the target accident vehicle has a target accident; A claim judgment result module is used to judge whether the target accident meets the preset claim criteria according to the accident details information, and obtain a claim judgment result; A face recognition module, configured to perform face recognition on a target user corresponding to the target accident vehicle to obtain a face recognition result when the claim judgment result indicates that the target accident meets the preset claim standard; A claim window module, used for jumping to a preset claim window when the face recognition result indicates that the target user has passed the face recognition; An image data module, used to collect real-time images of the target accident through the preset claim settlement window to obtain accident image data; The claim result module is used to generate a claim result based on the accident image data and the accident detail information.

8. The vehicle insurance claims settlement device according to claim 7, characterized in that: The accident details information includes the time and location of the target accident and the information on the injuries of the personnel; The claim judgment result module includes: A time judgment result unit is used to judge whether the occurrence time is the working time of the target claims adjuster and obtain a time judgment result; A location judgment result unit is used to judge whether the occurrence location is in a preset claim settlement section and obtain a location judgment result; An injury determination result unit, used to determine whether anyone is injured in the target accident according to the personal injury information, and obtain an injury determination result; The claim judgment result unit is used to obtain the claim judgment result according to the time judgment result, the location judgment result and the injury judgment result.

9. A computer device comprising a memory, a processor, and computer-readable instructions stored in the memory and executable on the processor, characterized in that: When the processor executes the computer-readable instructions, the motor vehicle insurance claims settlement method as described in any one of claims 1 to 6 is implemented.

10. One or more computer-readable storage media storing computer-readable instructions, characterized in that: When the computer-readable instructions are executed by one or more processors, the one or more processors execute the motor vehicle insurance claim settlement method as described in any one of claims 1 to 6.

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