Automobile insurance selection system and automobile insurance selection program

Abstract

To provide a system that makes it easy for prospective insurance customers to select an insurance plan that meets their needs. [Solution] The system comprises a computer 20 having a communication device 27 capable of communicating with a data communication line 11, a control unit 22, a storage unit 24, a display unit 26, and an input unit 25. The control unit 22 has an insurance type selection means 44 for selecting the type of insurance and an insurance company selection means 46 for selecting an insurance company. The insurance type selection means 44 and the insurance company selection means 46 each perform selections separately based on different information input from the input unit 25.

Description

[[Technical Field]]

[0001] The present invention relates to a system and program for selecting automobile insurance at a general agency. [[Background Art]]

[0002] As a system for concluding automobile insurance contracts, for example, Patent Document 1 (Japanese Unexamined Patent Application Publication No. 2002-123681) discloses a system in which an insurance information service server presents provisional premium quotes to a plurality of client terminals, presents the details and fees for "post-accident services" and "additional services" that the company can provide in accordance with requests from the client terminals and the applicable scope, the client terminal selects only necessary services from among the "post-accident services" and "additional services" in accordance with instructions from an insurance applicant, and the insurance information service server calculates a final premium quote based on the selected services and presents it to the client terminal. [[Prior Art Documents]] [[Patent Documents]]

[0003] [[Patent Document 1]] Japanese Unexamined Patent Application Publication No. 2002-123681 [[Summary of the Invention]] [[Problems to be Solved by the Invention]]

[0004] The system described in Patent Document 1 presents insurance applicants with specific services and corresponding quoted prices from a plurality of insurance companies, and insurance applicants decide which insurance to select based solely on the service content and the quoted price. This system is aimed at reducing the financial burden on insurance applicants and cutting costs for insurance companies. However, insurance applicants often do not want to decide on an insurance policy based solely on service content and premium; they desire to make a comprehensive judgment from various perspectives, and want to do so easily. There is therefore a need for such functionality. Furthermore, from the perspective of car dealerships, there is also the challenge of recommending highly satisfying insurance policies that align with the needs of prospective policyholders when recommending car insurance. [Means for solving the problem]

[0005] Therefore, the present invention has been made to solve the above problems, and its objective is to provide an automobile insurance selection system and an automobile insurance selection program that can easily enable prospective insurance policyholders to select an insurance policy that satisfies them.

[0006] The automobile insurance selection system according to the present invention comprises a computer having a communication device capable of communicating with a data communication line, a control unit, a storage unit, a display unit, and an input unit, wherein the control unit has an insurance type selection means for selecting an insurance type and an insurance company selection means for selecting an insurance company, and the insurance type selection means and the insurance company selection means each independently perform selections based on different information input from the input unit. This configuration allows us to separately propose recommended insurance types and recommended insurance companies to prospective insurance customers, enabling them to select auto insurance that meets their satisfaction level.

[0007] Furthermore, the insurance type selection means is characterized by comprising: a recommended insurance plan selection means that selects a recommended insurance plan based on the presence or absence of an integrated service or equipment option for credit or card and automobile insurance provided by an automobile manufacturer and / or automobile dealer, which is input from the input unit; and an estimated amount calculation means that calculates an estimated amount for the insurance plan selected by the recommended insurance plan selection means based on insurance premium estimation information including vehicle type, whether it is a corporation or an individual, age, purpose of use, and applicable class. This configuration allows for the selection of more appropriate auto insurance based on the services provided by automakers and auto dealers.

[0008] Furthermore, the estimated amount calculation means is characterized in that it accesses multiple insurance companies via the communication device, transmits the insurance plan selected by the recommended insurance plan selection means and the insurance premium calculation information, and receives the estimated amounts calculated by the multiple insurance companies.

[0009] Furthermore, the storage unit stores company data in which points are assigned to the selection items of necessary coverage at each insurance company. The insurance company selection means, upon receiving the priority order of the selection items of necessary coverage from the input unit, ranks the insurance companies based on the company data, starting with those with the highest scores for the selection items with the highest priority, and displays the ranked insurance companies. This configuration allows for the appropriate selection of an insurance company based on the necessary coverage required by the prospective insurer.

[0010] Furthermore, the insurance company selection means is characterized in that, when the priority order of the selection items for necessary coverage is input from the input unit, it weights the scores of the selection items for necessary coverage in the company data based on the priority order, calculates the average score for each insurance company by adding the weighted scores of the selection items for each insurance company and dividing by the number of selection items, ranks the insurance companies from the highest to the lowest average score, and displays the ranked insurance companies. In this way, by weighting the company data that has been pre-stored based on priority, the difference in scores becomes larger when the difference is small, making the reasons for selection clearer.

[0011] Furthermore, the selection criteria for the necessary coverage include four items: level of security and reliability, response system in the event of an accident, level of comprehensiveness of necessary special provisions, and inquiry, transfer, and consultation system. Of these, the level of comprehensiveness of necessary special provisions further includes four items: special provisions concerning the preservation of the vehicle and body in the event of an accident, special provisions concerning compensation to the other party in the event of an accident, special provisions concerning preparation for daily risks, and special provisions concerning support immediately after an accident. Company data with scores assigned to these four items of the level of comprehensiveness of necessary special provisions is stored in the memory unit, and priority is further entered from the input unit for these four items of the level of comprehensiveness of necessary special provisions. This structure allows prospective insurance customers to compare insurance companies based on the types of riders they consider particularly important, contributing to the selection of a more satisfying insurance company.

[0012] Furthermore, the control unit is characterized by displaying the insurance plan selected by the insurance type selection means and its estimated amount on the display unit, and by controlling the storage unit to store the name of the insurance applicant, the insurance plan, the estimated amount, and the date and time. This configuration allows for the keeping of evidence of when and what information was provided to prospective insurance policyholders. This helps in monitoring and ensuring that proposals align with the prospective policyholders' intentions. Furthermore, it enables the establishment of a system for receiving complaints related to insurance sales activities.

[0013] Furthermore, the control unit is characterized by displaying the insurance companies ranked by the insurance company selection means on the display unit, and controlling the unit to store the name of the insurance applicant, the ranked insurance companies, and the date and time in the storage unit. This configuration allows for the keeping of evidence of when and what information was provided to prospective insurance policyholders. This helps in monitoring and ensuring that proposals align with the prospective policyholders' intentions. Furthermore, it enables the establishment of a system for receiving complaints related to insurance sales activities.

[0014] Further, the storage unit is provided in a server connected to the computer so as to enable data communication.

[0015] According to the automobile insurance selection program of the present invention, there is provided a computer-readable program for a computer including a communication device capable of communicating with a data communication line, a control unit, a storage unit, a display unit, and an input unit, the program causing the computer to execute: an insurance type selection function of selecting a type of insurance; an insurance company selection function of selecting an insurance company; wherein the insurance type selection function and the insurance company selection function each perform selection separately based on different information input from the input unit. According to this configuration, a recommended insurance type and a recommended insurance company can be separately proposed to an applicant wishing to purchase insurance, so that the applicant can select automobile insurance with high satisfaction. Effects of the Invention

[0016] According to the present invention, it is possible to easily select an insurance that satisfies an applicant wishing to purchase insurance. Brief Description of the Drawings

[0017] [Figure 1] FIG. 1 is an explanatory diagram showing a schematic configuration of an automobile insurance selection system. [Figure 2] FIG. 2 is a block diagram showing an internal configuration of a computer. [Figure 3] FIG. 3 is a flowchart showing an insurance type selection step. [Figure 4] FIG. 4 is a table showing examples of integrated services of credit or cards provided by automobile manufacturers and automobile insurance, and equipment options. [Figure 5] FIG. 5 is a table showing examples of equipment options provided by automobile dealers. [Figure 6] FIG. 6 is an explanatory diagram showing an example of a created insurance plan. [Figure 7] FIG. 7 is a flowchart showing an insurance company selection step. [Figure 8]It is a table showing an example of company data for pre-stored reliability and security evaluations. [Figure 9] It is a table showing an example of company data for pre-stored response system evaluations in the event of an accident. [Figure 10] It is a table showing an example of company data for pre-stored sufficiency evaluations of required special agreements. [Figure 11] It is a table showing an example of company data for pre-stored inquiry, change, and consultation system evaluations. [Figure 12] It is an explanatory diagram showing an example of a screen for inputting priority order. [Figure 13] It is an explanatory diagram showing cooperation with a server.

Mode for Carrying Out the Invention

[0018] Hereinafter, embodiments of the automobile insurance selection system of the present invention will be described in detail with reference to the drawings. As shown in FIG. 1, the automobile insurance selection system 10 is composed of a computer 20, and the computer 20 is connected via a communication line 11 to respective computers 30 of a plurality of insurance companies in a data-communicable manner.

[0019] The computer 20 is assumed to be installed in an automobile dealer, and is premised on being operated by an operator belonging to the automobile dealer (an employee of the automobile dealer). However, it is also possible that an applicant who wishes to take out insurance (a person who has decided to purchase a car at an automobile dealer) operates the device by himself / herself to input predetermined content.

[0020] FIG. 2 shows the internal configuration of the computer. As the computer 20, a server computer, a general personal computer, or a tablet terminal can be employed. The computer 20 comprises a control unit 22 including a CPU and memory, a storage unit 24 including a hard disk or SSD for storing predetermined data and programs, an input unit 25 including a keyboard or mouse, a display unit 26 including an LCD monitor, and a communication device 27 connected to a communication line 11.

[0021] The control unit 22 includes an insurance type selection means 40 and an insurance company selection means 42, which are realized by the control unit 22 reading and executing an insurance type selection program and an insurance company selection program that are pre-stored in the storage unit 24. Furthermore, the insurance type selection means 40 includes a recommended insurance plan selection means 44 and an estimated amount calculation means 46, which are also realized by the control unit 22 reading and executing the recommended insurance plan selection program and the estimated amount calculation program that are pre-stored in the storage unit 24.

[0022] Before prompting the user to select either the insurance type selection process or the insurance company selection means, the control unit 22 displays the automobile dealer's policy regarding insurance handling, as well as a check box and a name input field, on the display unit 26. When an insurance applicant understands the car dealer's policy regarding insurance handling, the control unit 22 controls the process to proceed to either the insurance type selection process or the insurance company selection process by having the applicant enter their name in the name input field and check the check box. In other words, the control unit 22 prevents the applicant from proceeding to either the insurance type selection process or the insurance company selection process unless they enter their name in the name input field and check the check box. Furthermore, the control unit 22 stores the name of the insurance applicant and the date and time they checked the check box in the storage unit 24, which can be used to monitor and track whether the policy regarding insurance handling has been explained. The control unit 22 displays the insurance type selection button and the insurance company selection button on the display unit 26. After the user enters their name in the name input field and checks the check box, pressing either the insurance type selection button or the insurance company selection button allows the user to proceed to either the insurance type selection process or the insurance company selection process.

[0023] (Selection of insurance type) Figure 3 shows the insurance type selection process performed by the insurance type selection means, and the insurance type selection process will be explained below. The selection of insurance type is carried out after the prospective insurer has decided to purchase a car or is considering purchasing one.

[0024] The operator inputs information from the input unit 25 regarding whether the prospective insurer has subscribed to an integrated service of credit or card and automobile insurance at the automobile manufacturer and / or automobile dealer at the time of purchase (step S100). A combined credit or card and auto insurance service is a service that bundles the payment of the car price using a credit card issued or available through an installment plan by an auto manufacturer or auto dealer group company with auto insurance. In this case, the auto insurance is recommended from a predetermined insurance company.

[0025] Furthermore, the operator inputs information via the input unit 25 regarding the availability of equipment options from the automobile manufacturer or automobile dealer for the automobile that the prospective insurer is purchasing or considering purchasing (step S102). Depending on the equipment options, you may be eligible for discounts or other benefits with your insurance plan, which can be helpful in selecting the best insurance plan.

[0026] Here, Figure 4 shows an example of an integrated service and equipment option for credit or card and auto insurance offered by an automobile manufacturer, and Figure 5 shows an example of equipment options offered by an automobile dealer. In the example shown in Figure 4, the recommended insurance plan is predetermined based on whether or not the car manufacturer offers a loan, a car manufacturer's credit card, or a smartphone-based control service. In the example shown in Figure 5, the car dealer has pre-determined recommended insurance plans based on whether the insurance is for a dashcam type, an in-car device type, and whether it is for a long-term or short-term policy.

[0027] Next, the operator inputs premium calculation information into the input unit 25, including the make and model of the car the prospective insurer is purchasing or considering purchasing, whether the owner is a corporation or an individual, the prospective insurer's name, age, purpose of use, and applicable insurance class (step S104).

[0028] Next, the control unit 22 executes the recommended insurance plan selection means 44 and selects a recommended insurance plan based on the presence or absence of an integrated credit or card and automobile insurance service provided by the automobile manufacturer and / or automobile dealer, and the presence or absence of equipment options, which are input from the input unit 25 (step S106). Note that the storage unit 24 stores multiple insurance plans, and the recommended insurance plan selection means 44 selects a recommended insurance plan from among the multiple insurance plans based on the presence or absence of an integrated credit or card and automobile insurance service provided by the automobile manufacturer and / or automobile dealer, and the presence or absence of equipment options.

[0029] In selecting a recommended insurance plan, the recommended insurance plan selection method 44 prioritizes the selection of a recommended insurance plan over that of an automobile dealer, based on whether or not an automobile manufacturer offers an integrated service of credit or card and automobile insurance, and whether or not there are equipment options. Specifically, if any of the following are available as shown in Figure 4—a loan from the automaker, a card from the automaker, or a smartphone-based control service—the system will select one of the pre-configured recommended insurance plans A through C. If none of these are available or unknown, the system will select a recommended insurance plan based on the availability of equipment options from the auto dealer, as shown in Figure 5.

[0030] If neither the car manufacturer's card nor the smartphone-based control service is "none" or "unknown," the recommended insurance plan selection method 44 selects a recommended insurance plan based on the presence or absence of equipment options provided by the car dealer, as shown in Figure 5. Specifically, the recommended insurance plan selection method 44 selects one of the recommended insurance plans D Long-Term, D 1 Year, E Long-Term, or General Long-Term, which are pre-set based on whether the car dealer offers a dashcam type (hereinafter referred to as D), an in-vehicle device type (hereinafter referred to as E), and whether it is a long-term plan or not.

[0031] (Calculation of estimated cost) The control unit 22 executes the estimated amount calculation means 46 and creates an insurance plan based on the recommended insurance plan selected by the recommended insurance plan selection means 44 (step S108). Figure 6 shows an example of an insurance plan. In addition to the main coverages such as vehicle insurance, bodily injury liability insurance, property damage liability insurance, and personal injury protection, special provisions such as legal expense coverage and daily life liability coverage (for example, coverage for a replacement vehicle) are added based on the recommended insurance plan. When creating the insurance plan at this time, the necessary information from the premium calculation data is also applied.

[0032] Next, the estimated amount calculation means 46 transmits the created insurance plan and premium calculation information to multiple insurance companies via the communication device 27 (step S110). Within the insurance company, a calculation system calculates the estimated amount based on the received insurance plan and premium calculation information, and transmits it to computer 20.

[0033] When the estimate calculation means 46 receives an estimate from each insurance company (step S112), it displays the received estimate on the display unit 26 (step S114). Those wishing to purchase insurance can view the estimated amounts from each insurance company displayed on the display unit 26 and consider whether the selected insurance plan is suitable for them.

[0034] Furthermore, the control unit 22 displays the estimated amount along with the created insurance plan, the name of the insured person, a confirmation check box, and a confirmation button (step S116), and stores the estimated amount, insurance plan, and the name of the insured person as data linked to the time (step S118). This allows the storage unit 24 to retain evidence of when and what information was explained to prospective insurance policyholders. This helps in monitoring and ensuring that proposals align with the prospective policyholders' intentions. It also allows for the establishment of a system for receiving complaints related to insurance sales operations.

[0035] (Insurance company selection) Next, Figure 7 shows the insurance company selection process performed by the insurance company selection means 42, and the insurance company selection process will be explained. Note that the insurance company selection process may be performed after the insurance type selection process described above, or it may be performed before the insurance type selection process.

[0036] The insurance company selection means 42 displays multiple necessary coverages on the display unit 26 (step S200), and the operator inputs the priority order of the necessary coverages from the input unit 25 (step S202). The insurance company selection means 42 scores each insurance company based on the priority of each item entered from the input unit 25 (step S204), selects the insurance company with the highest score for the item with the highest priority, and displays the company name and its score on the display unit 26 (step S206). The insurance company selection means 42 may also display the company names and scores of all insurance companies on the display unit 26.

[0037] The following provides a more detailed explanation of the insurance company selection process. Necessary coverage refers to what prospective insurers request from insurance companies. In this embodiment, four items are given as examples: "peace of mind and reliability," "accident response system," "comprehensiveness of necessary special provisions," and "inquiry, change, and consultation system." However, the selection criteria for necessary coverage are not limited to these four items.

[0038] "Safety and reliability" is based on criteria such as solvency margin, loss ratio, expense ratio, and customer satisfaction. The "accident response system" is based on criteria such as simplicity, seamlessness, progress information, and speed of resolution. The "level of coverage of necessary special provisions" is based on criteria such as the scope of coverage, the level of coverage (compensation for oneself and others, daily life), and roadside assistance. The "Inquiry, Transfer, and Consultation System" is based on criteria such as reducing the burden on users, ease of understanding, and the ability to respond to orders. The four items mentioned above are scored for each insurance company based on the scores published by each insurance company, and these scores are pre-stored in the memory unit 24 as company data 50.

[0039] In this embodiment, the item "Completeness of necessary special provisions" as a necessary coverage item will be further refined, allowing users to input priority levels for details of multiple special provisions. Specifically, the item "Completeness of necessary special provisions" is further divided into four categories: "Protection of vehicle and personal injury in the event of an accident," "Compensation to the other party in the event of an accident," "Preparation for everyday risks," and "Support immediately after an accident." Within these four categories, it is possible to input the priority of each category.

[0040] The company data 50 (see Figure 2) to be pre-stored in the memory unit 24 is as follows: Figure 8 shows an example of company data for "safety and trustworthiness." In the example shown here, the solvency margin ratio, automobile loss ratio, operating expense ratio, and customer satisfaction are each scored out of 100 points as indicators to evaluate "safety and reliability," and the sum of these scores is then scored out of 100 points for each company.

[0041] Figure 9 shows an example of company data regarding "accident response systems." In the example shown here, the indicators used to evaluate the "accident response system" are the acceptance system / mechanism, the resolution / optimization system, the progress sharing system, and the improvement of the resolution speed, each of which is scored out of 100 points. The sum of these scores is then further scored out of 100 points for each company.

[0042] Figure 10 shows an example of company data regarding the "level of completeness of necessary special provisions." In the example shown here, the "level of coverage of necessary special provisions" is evaluated by scoring the following on a scale of 100 points each: vehicle and bodily injury protection in the event of an accident, compensation to the other party in the event of an accident, preparation for everyday risks, and response immediately after an accident. "Preservation of vehicle and personal safety in the event of an accident" includes, for example, coverage for crime victim accidents, coverage for total vehicle loss (70%), and coverage for breakdowns. "Compensation to the other party in the event of an accident" includes, for example, a special clause for lump-sum injury benefits, a special clause for double lump-sum injury benefits, etc. "Preparation for everyday risks" includes, for example, special clauses regarding personal belongings inside and outside the vehicle. "Response immediately after an accident" can also be rephrased as the level of roadside assistance provided, and includes, for example, towing and transportation, emergency repairs, accommodation expenses, return travel expenses, transportation expenses after repairs, and pickup expenses after repairs. The method for calculating the overall score for "Completeness of Necessary Special Provisions" will be explained later.

[0043] Figure 11 shows an example of company data for the "Inquiry, Transfer, and Consultation System." In the example shown here, the "inquiry, transfer, and consultation system" is evaluated by scoring each of the following indicators on a scale of 100 points: burden reduction, clarity, simplicity, and quality of service provision. The sum of these scores is then further scored on a scale of 100 points for each company.

[0044] Figure 12 shows the input screen for the priority order of necessary compensation displayed on the display unit 26. Here, radio buttons are provided for priority levels 1 through 4 for each item, and the priority can be entered by clicking the radio button corresponding to the rank. However, priority input is not limited to radio buttons; checkboxes or other methods may also be used.

[0045] Furthermore, the specific details of the four items of necessary coverage—"peace of mind and reliability," "accident response system," "comprehensiveness of necessary special provisions," and "inquiry, change, and consultation system"—contain many technical terms, which may be difficult for prospective insurance policyholders to understand. Therefore, it is advisable to display a "Click here for details" button on the display unit 26. When the "Click here for details" button is clicked, the display unit 26 will display a clear explanation of the four items of necessary coverage that has been pre-stored in the memory unit 24.

[0046] As shown in the example in Figure 12, suppose that a prospective insurance policyholder prioritized each item as follows: "peace of mind and reliability" in first place, "accident response system" in second place, "comprehensiveness of necessary special provisions" in third place, and "inquiry, change, and consultation system" in fourth place. Furthermore, among the special provisions, "preservation of vehicle and body in the event of an accident" in first place, "compensation to the other party in the event of an accident" in second place, "preparation for everyday risks" in third place, and "support immediately after an accident" in fourth place.

[0047] Here, we assign weights of 1.2 for 1st place, 1.1 for 2nd place, 1.0 for 3rd place, and 0.9 for 4th place. Therefore, for each company, multiply the "Safety and Trustworthiness" score in the company data 50 by 1.2, multiply the "Accident Response System" by 1.1, multiply the "Completeness of Necessary Special Provisions" by 1.0, and multiply the "Inquiry, Transfer, and Consultation System" by 0.9. Note that the weighting values ​​are not limited to these numbers.

[0048] However, the score for "Completeness of necessary special provisions" is calculated by multiplying each of the following items (each out of 100 points): "Protection of vehicle and personal injury in the event of an accident," "Compensation to the other party in the event of an accident," "Preparation for daily risks," and "Support immediately after an accident" by a weight based on priority, and then taking the average of the results of multiplying by these weights.

[0049] To explain using the examples shown in Figures 8 to 11, Company A's "Safety and Trustworthiness" is 95 × 1.2 = 114, its "Accident Response System" is 97.5 × 1.1 = 107.25, and its "Inquiry, Transfer, and Consultation System" is 92.5 × 0.9 = 83.25. Furthermore, the "level of coverage of necessary special provisions" is as follows: "Protection of vehicle and personal safety in the event of an accident" 97.5 × 1.2 = 117, "Compensation to the other party in the event of an accident" 95 × 1.1 = 104.5, "Preparation for daily risks" 100 × 1.0 = 100, and "Support immediately after an accident" 95.7 × 0.9 = 86.13. Therefore, the score for "level of coverage of necessary special provisions" is (117 + 104.5 + 100 + 86.13) / 4 = 101.9.

[0050] In this way, by allowing users to input their priorities for each type of rider based on the level of coverage they require, it becomes possible to compare insurance companies based on the types of riders that are particularly important to the prospective insurer, thereby contributing to the selection of an insurance company that will provide greater satisfaction.

[0051] The insurance company selection means 42 calculates scores for each item from company A to company C using the method described above, and displays the insurance companies on the display unit 26 in order from those with the highest scores for the highest priority items. Alternatively, all insurance companies may be displayed on the display unit 26, and insurance companies with high scores for the highest priority items may be marked with "Recommended" or similar. Furthermore, the characteristic points of each insurance company in the calculated score may also be displayed on the display unit 26. However, the characteristic points of each insurance company may be stored in the storage unit 24 in advance, and a "Click here for the characteristics of each insurance company" button may be displayed on the display unit 26. When the "Click here for the characteristics of each insurance company" button is clicked, the characteristics of each insurance company may be displayed on the display unit 26.

[0052] The information displayed on the display unit 26 regarding insurance companies can be converted to PDF format so that it can be given to prospective insurance policyholders on paper. In this case, a PDF button is displayed on the display unit 26, and when the PDF button is clicked, the insurance company selection means 42 controls the system to convert the information displayed on the display unit 26 to PDF format and print it on a printer.

[0053] Furthermore, the control unit 22 displays the name of the insurance applicant, a confirmation check box, and a confirmation button on the display unit 26 (step S208), and stores the details of the insurance company in the storage unit 24 as data, linked to the name of the insurance applicant and the time (step S210). This allows the storage unit 24 to retain evidence of when and what information was explained to prospective insurance policyholders. This helps in monitoring and ensuring that proposals align with the prospective policyholders' intentions. It also allows for the establishment of a system for receiving complaints related to insurance sales operations.

[0054] (Integration with the server) Furthermore, the information entered in each of the processes described above, the estimated information, and the estimated amount may be stored in a server 60 connected to the Internet via the computer 20. Server 60 may be managed by the car dealer that manages computer 20, or it may be managed by a system provider separate from the car dealer that manages computer 20. Furthermore, if there are multiple car dealerships, each dealership will have its own computer 20 for management purposes, meaning that multiple computers 20 will be connected to the server 60. This allows for centralized management of information from multiple dealerships on the server 60.

[0055] The following explanation, based on Figure 13, describes the case where each of the computers 20 installed in multiple stores and the server 60 work in cooperation. When the store's computer 20 logs into the system, the auto insurance selection system on computer 20 is activated, and a login to server 60 is performed. Next, the customer's name is entered on computer 20, and at this time, the store name, the corresponding staff member ID, and the staff member's name are also entered on computer 20. This information is then sent to server 60 as login information. Server 60 stores the received login information, associating it with the date and time.

[0056] Subsequently, computer 20 proceeds to either the insurance type selection process or the insurance company selection process, and executes the operations described above. In the insurance type selection process performed by computer 20, after the insurance plan is created, the recommended insurance plan type and premium calculation information are sent to server 60 as insurance plan information. At this time, server 60 stores the insurance plan information, linked to the login information, along with the date and time of use, the name of the store used, the ID of the person in charge of use, and the name of the person in charge of use.

[0057] Subsequently, in the insurance type selection process performed by the computer 20, the estimated amount is displayed on the display unit 26. Once this display content is created as an estimate, the contents of the estimate are sent to the server 60 as insurance premium estimate information. At this time, server 60 stores the insurance premium estimate information linked to the aforementioned insurance plan information.

[0058] In this way, server 60 can store the store name, the name of the person requesting insurance, the proposed content, the person in charge, and the date and time, which can be used to monitor and track the status of proposals that align with the wishes of the insurance requesters.

[0059] Furthermore, the server 60 is configured to allow viewing and searching of stored data. Searches can be performed using any item as a search key, such as store name, customer name, staff name, and date / time. The system also has a function to convert the search results into a CSV file. Therefore, it becomes possible to grasp customer information and progress status for each store, which can be used to improve sales activities.

[0060] As described above, prospective insurance purchasers will ultimately decide which insurance company and which insurance plan to subscribe to by looking at the estimated cost of the insurance plan selected using the insurance type selection method described above, and the insurance company selected using the insurance company selection method. In particular, the selected insurance company will reflect the priorities that prospective insurance purchasers look for in an insurance company, so they will be able to subscribe to insurance that meets their needs. After the prospective insurer has decided on an insurance plan and insurance company, the insurance application process begins with an employee of the car dealership contacting an operator at the relevant insurance company. At this time, the insurance company operator will be provided with the contact information requested by the prospective insurer, such as a phone number and email address. The insurance company operator will then contact the prospective insurer by phone, email, or remote meeting to design the detailed automobile insurance plan according to the prospective insurer's requests. After the automobile insurance plan is finalized, the prospective insurer will apply for the insurance with the insurance company before the vehicle is delivered. [Explanation of Symbols]

[0061] 10. Auto Insurance Selection System 11 Communication lines 20 Computers 22 Control Unit 24 Memory section 25 Input section 26 Display section 27 Communication equipment 30 Computers 40. Methods for selecting insurance types 42. Methods for selecting an insurance company 44 Recommended Insurance Plan Selection Methods 46. ​​Method for calculating estimated amount 50 Company Data 60 servers

Claims

1. A computer comprising a data communication line and a communication device capable of communicating with it, a control unit, a storage unit, a display unit, and an input unit, The control unit, It has an insurance type selection means for selecting the type of insurance and an insurance company selection means for selecting an insurance company. The automobile insurance selection system is characterized in that the insurance type selection means and the insurance company selection means each perform selections separately based on different information input from the input unit.

2. The aforementioned insurance type selection means is An insurance plan selection means that selects an insurance plan to recommend based on the input from the aforementioned input unit, which is input from the aforementioned input unit, and which is input from the aforementioned input unit, which is input from the aforementioned input unit, and which is input from the aforementioned input unit, which is based on the presence or absence of an integrated service or equipment option for credit or card and automobile insurance provided by the automobile manufacturer and / or automobile dealer, The automobile insurance selection system according to claim 1, further comprising: an estimate calculation means for calculating an estimated amount for an insurance plan selected by the insurance plan selection means based on insurance premium estimation information including vehicle type, whether it is a corporation or an individual, age, purpose of use, and applicable class.

3. The aforementioned means for calculating the estimated amount is: The automobile insurance selection system according to claim 2, characterized in that it operates to access multiple insurance companies by the communication device, transmit the insurance plan selected by the insurance plan selection means, and receive the estimated amount calculated by the multiple insurance companies.

4. The aforementioned storage unit stores company data in which points are assigned to the selection items for necessary coverage at each insurance company. The aforementioned means for selecting an insurance company is, When the priority order of the selection items for necessary compensation is entered from the aforementioned input unit, The automobile insurance selection system according to claim 1, characterized in that, based on the aforementioned company data, it ranks insurance companies from those with the highest scores for the selection items with the highest priority among the selection items for necessary coverage entered from the input unit, and displays the ranked insurance companies.

5. The aforementioned means for selecting an insurance company is, When the priority order of the selection items for necessary compensation is entered from the input unit, the scores of the selection items for necessary compensation in the company data are weighted according to the priority order. The automobile insurance selection system according to claim 4, characterized in that it calculates the average score for each insurance company by adding the weighted scores for each selection item and dividing by the number of selection items, ranks the insurance companies from highest to lowest average score, and displays the ranked insurance companies.

6. The selection criteria for the aforementioned necessary coverage consist of four items: level of security and reliability, response system in the event of an accident, comprehensiveness of necessary special provisions, and inquiry, change, and consultation system. Of these, the degree of completeness of necessary special provisions is further divided into four items: special provisions concerning the preservation of the vehicle and person in the event of an accident, special provisions concerning compensation to the other party in the event of an accident, special provisions concerning preparation for daily risks, and special provisions concerning support immediately after an accident. Company data, which assigns scores to these four items of the degree of completeness of necessary special provisions, is stored in the aforementioned storage unit. The automobile insurance selection system according to claim 4 or 5, characterized in that priority is further entered from an input unit for four items regarding the degree of completeness of the required special provisions.

7. The control unit, The insurance plan selected by the insurance type selection means and its estimated amount are displayed on the display unit. The automobile insurance selection system according to claim 2, characterized in that it controls the storage unit to store the name of the person who wishes to purchase insurance, the insurance plan, the estimated amount, and the date and time.

8. The control unit, The insurance companies ranked by the aforementioned insurance company selection means are displayed on the display unit. The automobile insurance selection system according to claim 4, characterized in that it controls the storage unit to store the name of the person who wants to purchase insurance, the ranked insurance companies, and the date and time.

9. The automobile insurance selection system according to claim 7 or 8, characterized in that the storage unit is provided in a server that is data-communicable with the computer.

10. A computer-readable program having a data communication line and a communication device capable of communicating with it, a control unit, a storage unit, a display unit, and an input unit, An insurance type selection function to select the type of insurance, An insurance company selection function for selecting an insurance company, The aforementioned insurance type selection function and the aforementioned insurance company selection function are selected separately based on different information entered from the input unit. An automobile insurance selection program characterized by causing the computer to execute the following.

11. The aforementioned insurance type selection function is An insurance plan selection function that selects a recommended insurance plan based on the input from the aforementioned input unit, which is input from the aforementioned input unit, and which is input from the aforementioned input unit, and which is input from the automobile manufacturer and / or automobile dealer regarding the availability of an integrated service or equipment option for credit or card and automobile insurance. The automobile insurance selection program according to claim 10, further comprising: an estimate calculation function that calculates an estimated amount for an insurance plan selected by the insurance plan selection means based on insurance premium calculation information including vehicle type, whether it is a corporation or an individual, age, purpose of use, and applicable class.

12. The aforementioned estimation function is, The automobile insurance selection program according to claim 11, characterized in that it operates to access multiple insurance companies by the communication device, transmit the insurance plan selected by the insurance plan selection means, and receive the estimated amounts calculated by the multiple insurance companies.

13. The aforementioned storage unit stores company data in which points are assigned to the selection items for necessary coverage at each insurance company. The aforementioned insurance company selection function is, When the priority order of the selection items for necessary compensation is entered from the aforementioned input unit, The automobile insurance selection program according to claim 10, characterized in that, based on the aforementioned company data, it ranks the insurance companies from those with the highest scores for the selection items with the highest priority among the selection items for necessary coverage entered from the input unit, and displays the ranked insurance companies.

14. The aforementioned insurance company selection function is, When the priority order of the selection items for necessary compensation is entered from the input unit, the scores of the selection items for necessary compensation in the company data are weighted according to the priority order. The automobile insurance selection program according to claim 13, characterized in that it calculates the average score for each insurance company by adding the weighted scores for each selection item and dividing by the number of selection items, ranks the insurance companies from highest to lowest average score, and displays the ranked insurance companies.

15. The selection criteria for the aforementioned necessary coverage consist of four items: level of security and reliability, response system in the event of an accident, comprehensiveness of necessary special provisions, and inquiry, change, and consultation system. Of these, the degree of completeness of necessary special provisions is further divided into four items: special provisions concerning the preservation of the vehicle and person in the event of an accident, special provisions concerning compensation to the other party in the event of an accident, special provisions concerning preparation for daily risks, and special provisions concerning support immediately after an accident. Company data, which assigns scores to these four items of the degree of completeness of necessary special provisions, is stored in the aforementioned storage unit. The automobile insurance selection program according to claim 13 or 14, characterized in that priority is further entered from the input unit for four items regarding the degree of completeness of the necessary special provisions.

16. The insurance plan selected by the aforementioned insurance type selection function and its estimated amount are displayed on the display unit. The automobile insurance selection program according to claim 11, characterized in that it stores the name of the person wishing to purchase insurance, the insurance plan, the estimated amount, and the date and time in the memory unit.

17. The insurance companies ranked by the aforementioned insurance company selection function are displayed on the display unit. The automobile insurance selection program according to claim 13, characterized in that it stores the name of the person wishing to purchase insurance, the ranked insurance companies, and the date and time in the memory unit.

18. The automobile insurance selection program according to claim 16 or 17, characterized in that the storage unit is provided on a server that is data-communicable with the computer.

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