JP5480690B2 - Insurance company system - Google Patents

Description

  The present invention relates to an insurance company system, and more particularly to an insurance company system for insurance that handles car accidents between cars.

  The driver of a car is insured with vehicle insurance, objective compensation insurance, and the like, and when a car accident occurs, the accident is usually handled by contacting a person in charge of the insurance company.

  In Patent Document 1 (Japanese Patent Laid-Open No. 2003-242276), an insurance company terminal transmits accident information to a vehicle repair factory terminal via the Internet, receives accident vehicle information and estimate information from the vehicle repair factory terminal, Furthermore, a method for transmitting repair request information to a vehicle repair shop terminal is described. Accordingly, it is described that the vehicle repair process using the car insurance can be quickly performed.

JP 2003-242276 A

  By the way, when a car accident occurs between cars, both cases are negligent except for the case of rear-end collision or signal ignorance. Here, the negligence ratio of each other is often determined according to the type of accident based on the precedents of past traffic accidents.

  For example, as shown in FIG. 10, it is assumed that a car A of the driver A and a car 510 of the driver B cause a collision at an intersection. Here, even if there is a stop sign 520 on the road on which the car 500 was traveling, if the driver A did not stop and an accident occurred, the driver A had a negligence rate. Get higher. Here, for example, it is assumed that the negligence ratio between the driver A and the driver B is A: B = 7: 3.

  In such a case, although the driver B thinks that he / she is not careless himself, a negligence ratio will occur. Therefore, in addition to the repair cost of the own car, the driver A must also bear the repair cost of the car. For example, if the repair cost of the driver A's car is X yen and the repair cost of the driver B's car is Y yen, the payment amount that the driver A needs to pay is 0.7 (X + Y) yen, and the driver B The amount of payment that must be paid is 0.3 (X + Y) yen.

  Here, when the driver A and the driver B are in the objective compensation insurance and the vehicle insurance, respectively, the insurance as shown in FIG. However, if an accident occurs and the insurance money is paid, the insurance premium generally increases at the next contract renewal. Therefore, for example, the insurance premium of the driver B will also rise, and the driver B will be dissatisfied. Therefore, conventionally, there has been a risk of trouble occurring between the parties involved in the accident.

  This invention is made | formed in view of the said situation, The place made into the objective is to provide the technique which performs accident processing of the automobile accident of cars smoothly.

  According to the present invention, a report on a car accident between vehicles including the negligence ratio of the insured person is accepted, and the repair cost of the car that the other party of the car accident should bear on the insurance that the insured person has joined. If the insurance company bears a shoulder contract, it is determined whether the negligence ratio of the insured is within a predetermined range of more than 50% and less than 100%. In such a case, an insurance company system including a shoulder replacement processing unit that performs processing for obtaining consent of the other party is provided.

  According to this configuration, in the case of a car accident between cars, when the other party's negligence rate is low, the other party's driver does not need to use the car insurance that he / she joins, and worries that the premium will rise. You do n’t have to. Further, the insured person is also less likely to have trouble with the driver on the other side, and can obtain a merit. Thereby, the accident processing of the automobile accident between cars can be performed smoothly.

  It should be noted that any combination of the above-described constituent elements and a conversion of the expression of the present invention between a method, an apparatus, a system, a recording medium, a computer program, etc. are also effective as an aspect of the present invention.

  ADVANTAGE OF THE INVENTION According to this invention, the accident process of the automobile accident of cars can be performed smoothly.

In embodiment of this invention, it is a figure which shows the amount of payment which an insurance company pays when a shoulder special provision is applied. It is a block diagram which shows the network structure containing the insurance company system in embodiment of this invention. It is a block diagram which shows an example of a structure of the insurance company system in embodiment of this invention. It is a figure which shows an example of a structure of the contract information storage part in embodiment of this invention. It is a figure which shows an example of a structure of the condition memory | storage part in embodiment of this invention. It is a figure which shows an example of a structure of the repair factory information storage part in embodiment of this invention. It is a figure which shows an example of a structure of the accident process memory | storage part in embodiment of this invention. It is a flowchart figure which shows an example of the process sequence of the shoulder processing part of the insurance company system in embodiment of this invention. It is a flowchart which shows an example of the process sequence of the insurance company system in embodiment of this invention. It is a mimetic diagram showing an example of a car accident between cars. It is a figure which shows an example of the payment amount in case insurance is applied when the accident as shown in FIG. 10 arises.

  Hereinafter, embodiments of the present invention will be described with reference to the drawings. In all the drawings, the same constituent elements are denoted by the same reference numerals, and the description thereof is omitted as appropriate.

  In the following embodiments, the insurance company is responsible for a car that the other party of the car accident should bear when the negligence rate of the insured person of the car accident between cars is in a predetermined range greater than 50% and less than 100%. Provide insurance services with special provisions for insurance companies to pay for repair costs. Hereinafter, this special contract is referred to as a “shoulder replacement special contract”.

FIG. 1 shows a state where a shoulder replacement special contract is applied in the example described above with reference to FIGS. 10 and 11.
In the present embodiment, when driver A is an insured person with insurance on behalf of the shoulder, driver A's accident negligence rate is higher than driver B's negligence rate, and driver A's negligence rate is If it is not 100%, a shoulder replacement special contract is applied when a predetermined condition is satisfied as will be described later. In this case, the insurance company that the driver A has joined bears 0.3 (X + Y) yen of the automobile repair cost that the driver B originally should bear. As a result, the driver B does not need to use the car insurance that he / she joins, and does not have to worry about a rise in insurance premiums. Further, the driver A is less likely to have trouble with the driver B, and a merit can be obtained.

  FIG. 2 is a block diagram showing a network configuration including the insurance company system in the present embodiment. The insurance company system 100 is connected to the insured terminal 300, the counterpart terminal 310, and the repair shop server 200 via the network 400. The network 400 may be a combination of the Internet, an intranet, a mobile phone network, and the like, for example.

  The insurance company system 100 is a system managed by the insurance company. The insured terminal 300 is a terminal such as a mobile phone terminal or a personal computer owned by the insured person of the car insurance of the insurance company. The counterpart terminal 310 is a terminal such as a mobile phone terminal or a personal computer, for example, owned by the counterpart who the insured has caused a car accident. The repair shop server 200 is a terminal such as a personal computer provided in each repair shop of an automobile.

FIG. 3 is a block diagram showing an example of the configuration of the insurance company system 100 in the present embodiment.
The insurance company system 100 includes a communication control unit 102, an accident report reception unit 104, a shoulder processing unit 108, a contract information storage unit 130, a repair factory information storage unit 132, a condition storage unit 134, and an accident processing storage unit. 136 and a case database 140.

  The communication control unit 102 transmits / receives data to / from other terminals via the network 400. The accident report receiving unit 104 receives an accident report. The accident report reception unit 104 stores the received accident report in the accident processing storage unit 136.

  The insurance company system 100 includes a web application, for example, and can have a function of providing a user with a web screen for accepting an accident report. In this case, for example, when an accident occurs, the insured person can access the web application provided by the insurance company system 100 via the network 400 from the insured terminal 300 at the accident site. Further, for example, when the insured person makes a telephone contact from the accident site to the person in charge of the insurance company, the person in charge receives the accident report on the insured person's terminal 300 of the insured person whose email address or the like is stored in advance. A URL or the like for accessing the web screen can be notified to allow the insured to access the web screen. When the insured person inputs an accident report from the insured terminal 300, the accident report reception unit 104 receives the accident report via the network 400 and the communication control unit 102.

  The accident report can include, for example, information for identifying the insured person, the situation of the accident, information on the other party, and the like. The information for specifying the insured person may be, for example, the insured person's securities number or user ID. The situation of the accident can include the accident pattern, information on whether the other party of the accident is a car, a person, a bicycle, the accident negligence rate, and the like. In addition, the information on the other party side can include a contact address such as an address or an e-mail address of the other party of the accident, and the vehicle number of the automobile when the other party is a car.

  The case database 140 stores case information in which accident patterns are associated with negligence ratios of parties at that time based on past accident examples. The accident report accepting unit 104 may obtain the accident negligence rate by referring to the case database 140 or the like based on the accident pattern in which the input is accepted instead of the accident report accepting unit 104 accepting input as an accident report. it can.

  When the accident report reception unit 104 receives an accident pattern, the accident report reception unit 104 can obtain the negligence ratio of the insured person based on the received accident pattern with reference to the case database 140. In addition, the accident report reception unit 104 can present the accident pattern read with reference to the case database 140 to the insured person on the web screen or the like, and allow the insured person to select the accident pattern. In addition, the accident report receiving unit 104 can access, for example, a court case database or the like via the network 400 and acquire the negligence ratio based on the accident pattern.

  In addition, the accident report can be input, for example, by a person in charge of the insurance company that has been contacted by telephone from the insured person, and the accident report receiving unit 104 can receive it. In this case, the accident negligence rate may be calculated by the person in charge of the insurance company by referring to the case database 140, the court case database, etc., and the accident negligence ratio heard from the person in charge of the insurance company. The insured can also input from the insured terminal 300.

  The contract information storage unit 130 stores car insurance contract information. For example, for each insurance contract, the contract information storage unit 130 includes contract identification information, a security number, an insurance name, a user ID, a contractor name, an insured person name, an insurance period (insurance policy application period), an insurance amount, and a special contract. The presence or absence is memorized. In the present embodiment, the contract information storage unit 130 stores the presence / absence of a shoulder replacement special agreement in association with the contract identification information.

  FIG. 4 is a diagram illustrating an example of the configuration of the contract information storage unit 130. Here, the contract information storage unit 130 includes a contract identification information field, a securities number field, a user ID field, a contractor name field, an insured person name field, a shoulder special provision setting field, and the like. In the shoulder replacement special contract setting column, whether or not the shoulder replacement special contract as described above is set is stored.

  Returning to FIG. 3, the repair shop information storage unit 132 stores information on a repair shop that repairs a car that the insurance company has previously contracted. The condition storage unit 134 stores application conditions for applying the shoulder replacement special agreement. The accident processing storage unit 136 stores information indicating the situation of the accident and information such as the processing state of the insurance company.

  The shoulder replacement processing unit 108, when the insurance covered by the insured person has a shoulder contract special contract in which the insurance company bears the repair cost of the car that the other party of the car accident should bear, It is determined whether or not the person's negligence rate is within a predetermined range greater than 50% and less than 100%, and if it is within the predetermined range, processing for obtaining the consent of the other party is performed.

The shoulder replacement processing unit 108 includes a condition determination unit 110, a counterparty contract processing unit 112, a factory selection unit 114, and a claim abandonment processing unit 116.
The condition determination unit 110 refers to the condition storage unit 134 to determine whether the negligence ratio of the insured is within a predetermined range.

  FIG. 5 is a diagram illustrating an example of the configuration of the condition storage unit 134. The condition storage unit 134 stores a predetermined range of the negligence ratio of the insured person as the application condition of the shoulder replacement special agreement. In this case, “1: There is a special contract setting”, “2: Greater than insured negligence ratio 50 to less than 100”, “3: To vehicle”, “4: Consent to the other party”, etc. are stored as conditions. Yes. In other words, in this example, the predetermined range of the insured person's negligence ratio to which the substitution special agreement is applied is set such that the insured person's negligence ratio is greater than 50 and less than 100.

  Note that the predetermined range of the insured's negligence rate for applying the substitution special provision can be set for each contract. In this case, the predetermined range of the insured's negligence ratio for applying the shoulder replacement special agreement can be stored in association with each contract in the contract information storage unit 130 instead of the condition storage unit 134.

  For example, the negligence ratio of the insured can be appropriately set depending on the type of contract within the range of greater than 50 to less than 100. When the insured takes out the insurance, he / she chooses whether to pay an option fee and set a special contract for shouldering or not to set a special contract for shouldering. At this time, for example, if the option fee is high, the prescribed range of the insured's negligence rate for applying the shoulder replacement special contract will be widened, and if the option fee is low, the insured's fault coverage for applying the shoulder contract special contract will be widened. Step-by-step services can be provided so that the predetermined range of the negligence ratio is narrowed. For example, if the predetermined range of the insured person's negligence ratio for applying the substitution special provision is set to “80 or more and less than 100”, the insured person's negligence ratio: If the negligence ratio on the side = 7: 3, the shoulder replacement special agreement will not be applied.

  Returning to FIG. 3, if the condition determination unit 110 determines that the negligence ratio of the insured person is within a predetermined range, the partner contract processing unit 112 repairs the automobile that the partner should bear. Temporarily set as an insurance contractor whose expenses are compensated, and based on the consent of the other party, the provisional setting of the other party is processed as this contract.

  When the counterpart contract processing unit 112 temporarily sets the counterpart, the factory selection unit 114 causes the counterpart to repair the counterpart's car from the repair factories set in the repair factory information storage unit 132. Select candidates for repair shops. FIG. 6 is a diagram illustrating an example of the configuration of the repair factory information storage unit 132. Here, the repair factory information storage unit 132 includes a factory identification information field, an address field, a contact address field, and the like.

  For example, based on the address of the other party of the accident received by the accident report receiving unit 104, the factory selection unit 114 refers to the repair factory information storage unit 132 and selects a repair factory having a similar address to the other party as a candidate. Can do. Here, the factory selection unit 114 can select a plurality of repair shops as candidates.

  When the partner side agrees to repair the car at the repair shop selected by the factory selection unit 114, the partner side contract processing unit 112 performs a process of setting the other party's temporary setting as the main contract. The counterpart contract processing unit 112 includes, for example, information on the repair factory selected by the factory selection unit 114 in the email address of the other party of the accident received by the accident report reception unit 104, and repairs the car at the repair factory. It is possible to send a mail inquiring whether or not to agree, and accept a reply from the other party. In addition, as will be described later, when a web screen is also provided to the other party's partner terminal 310, the other party's instruction can be received from the web screen.

  Here, an example is shown in which the partner contract processing unit 112 notifies the partner of the repair factory candidate selected by the factory selection unit 114 and requests consent, but the partner manages the insurance company system 100. If the insurer agrees to repair his car at a car repair shop with which the contract is made in advance, the other party's provisional setting will be made assuming that the other party has agreed without the repair shop being identified. Can also be processed under this contract.

  In addition, when the counterpart contract processing unit 112 performs processing for setting the counterpart's temporary setting as the main contract, the factory selection unit 114 sends the partner's vehicle number and the like to the repair factory server 200 of the repair factory selected as a candidate. It is also possible to notify the repair shop of the schedule of the request for repair of the car, etc.

  When the other party contract processing unit 112 performs the process of setting the other party's provisional setting as the main contract, the receivables waiver processing unit 116 includes the repair cost of the insured's car for the car that the other party should bear. The repair fee is processed so that it is not charged to the insurance company of the car insurance that the other party joins.

  For example, in the normal processing, as described with reference to FIG. 11, out of the repair cost X yen of the driver A who is the insured person, 0.3 X yen is borne by the driver B of the other party. Is supposed to do. Therefore, the insurance company that manages the insurance company system 100 performs a process of charging a claim of “0.3X yen” to the insurance company to which the driver B joins. However, in this embodiment, when the insurance for driver A who is the insured is applied, the insurance company of driver A will bear this repair cost. Therefore, the receivable waiver processing unit 116 performs a process of waiving such a receivable when the counterparty contract processing unit 112 performs a process of setting the other party's provisional setting as the main contract. Specifically, for example, “no claim for claims” is stored in the corresponding part of the accident processing storage unit 136.

FIG. 7 is a diagram illustrating an example of the configuration of the accident processing storage unit 136.
Here, a basic contract column and a special contract contract column are included. The basic contract column includes accident identification information, contract identification information, securities number, contractor name, insured name, accident type, accident pattern, self-fault ratio, partner fault ratio, partner name, partner contact, partner Includes insurance companies and counterparty claims. This information can be written by the accident report receiving unit 104. Further, the special contract column for the shoulder includes the contract status, the contract identification information, the insured person name, the user ID, the repair factory, the debt abandonment process, and the like. This information can be written by the shoulder processing unit 108. Here, the temporary setting of the other party is not in the present contract.

  Here, normally, when the repair cost of the insured's car is determined, the "other party's negligence rate x insured's car repair cost" is displayed in the "other party's credit" column of the basic contract column. It is memorized as a claim charged to the other insurance company. However, in the present embodiment, when the other party's provisional setting is the present contract, the other party contract processing unit 112 can store “no claim for claims” or the like in the “other party claim”. Thereby, based on the information stored in the accident processing storage unit 136, the person in charge of the insurance company that performs various accident processing can be prevented from performing the process of claiming claims to the other insurance company. Here, the insurance company of the other party is used, but the other party may also have car insurance of the same insurance company as the insured. In this case, the processing is performed in-house, but the claim claim processing can be prevented from being performed on the insurance contract of the other party.

FIG. 8 is a flowchart showing a processing procedure of the shoulder replacement processing unit 108 of the insurance company system 100 in the present embodiment.
When the accident report receiving unit 104 receives the accident report, the shoulder processing unit 108 receives a notification of the accident report (step S102).

  The condition determination unit 110 refers to the condition storage unit 134 and determines whether or not the condition set in the condition storage unit 134 is satisfied. First, the condition determination unit 110 determines whether or not a special contract is set for the corresponding insurance (step S104). When the shoulder replacement special contract is set (YES in step S104), it is determined whether the negligence ratio of the insured is within a predetermined range (step S106).

  Here, when the negligence ratio of the insured person is within the predetermined range (YES in step S106), it is determined whether or not the accident is on the vehicle (step S108). If the accident is on-vehicle (YES in step S108), the partner contract processing unit 112 is notified, and the partner contract processing unit 112 temporarily sets the partner side as a special contract (Step S110).

  Thereafter, the factory selection unit 114 selects a repair factory candidate (step S112). Next, the partner contract processing unit 112 notifies the partner of the repair factory candidate selected by the factory selecting unit 114 and inquires whether or not to accept the shoulder contract special contract. When the other party agrees (YES in step S114), the other party contract processing unit 112 performs a process of setting the other party's temporary setting as the main contract (step S116). Thereafter, the receivable waiver processing unit 116 performs receivable waiver processing (step S118).

  On the other hand, if the conditions are not satisfied in step S104, step S106, and step S108 (NO in step S104, NO in step S106, NO in step S108), the shoulder replacement special contract is not applied, and the process ends. Also, if the partner does not agree in step S114 (NO in step S114), the shoulder replacement special agreement is not applied, and the process ends.

  Further, the shoulder replacement processing unit 108 can provide the insured terminal 300 with a web screen for explaining the special contract when application of the shoulder replacement is set based on the determination of the condition determining unit 110. As a result, the insured person can proceed with the process while showing the web screen to the other party, for example. Further, for example, the other party may talk on the telephone with the person in charge of his / her insurance company at his / her partner terminal 310 while watching the explanation screen displayed on the display of the insured terminal 300 of the insured person. it can.

  For example, if the other party desires, a special explanation screen can be provided to the other party's partner terminal 310 so that the other party can check the explanation information on his / her partner terminal 310.

FIG. 9 is a flowchart showing an example of the processing procedure of the insurance company system 100 in such a case.
When an accident occurs and the insured accesses the accident report reception web screen from the insured terminal 300 and inputs the accident report (step S120), the accident report reception unit 104 receives the accident report (step S120). S122).

  Thereafter, the condition determination unit 110 of the shoulder replacement processing unit 108 determines whether or not the conditions for applying the shoulder replacement special condition are satisfied in the processing of steps S104 to S108 in FIG. 8 (step S124). If the condition is satisfied (YES in step S126), the counterpart contract processing unit 112 temporarily sets the counterpart as a special contract (step S128). After that, the counterparty contract processing unit 112 provides the insured person terminal 300 and the counterparty terminal 310 with a web screen for explaining the shoulder replacement special provision (step S130). As a result, the other party gives an agreement instruction from the other party terminal 310 (step S132), and when the other party's consent is obtained (YES in step S134), the other party contract processing unit 112 performs the temporary setting of the other party. A contract is made (step S136). If the condition is not satisfied in step S126 (NO in step S126), a web screen or the like for explaining the special contract is not provided, and only an accident report input is accepted, and a normal process such as explaining a future processing procedure is performed. Is called.

  In addition, when the process which makes the other party temporary setting this contract in this step S116 of FIG. 8 is performed, the other party contract process part 112 is a certificate which shows that an insurance company bears the repair expense of the other party's car. Etc. can be issued to the other party. In this case, for example, the certificate can be displayed on the partner terminal 310 on the partner side so that the partner can download the certificate.

  Each component of the insurance company system 100 illustrated in FIG. 3 is not a hardware unit configuration but a functional unit block. Each component of the insurance company system 100 is centered on an arbitrary computer CPU, memory, a program for realizing the components shown in the figure loaded in the memory, a storage unit such as a hard disk for storing the program, and a network connection interface. It is realized by any combination of hardware and software. It will be understood by those skilled in the art that there are various modifications to the implementation method and apparatus.

As mentioned above, although embodiment of this invention was described with reference to drawings, these are the illustrations of this invention, Various structures other than the above are also employable.
Hereinafter, examples of the reference form will be added.
1. Accepting reports of car accidents between cars, including the insured's negligence ratio, and the insurance company paying the repair costs of the car that the other party of the car accident should bear on the insurance that the insured has joined If a special contract is set, it is determined whether the negligence ratio of the insured is within a predetermined range of more than 50% and less than 100%. An insurance company system that includes a shoulder processing unit that performs processing to obtain consent.
2. In the insurance company system described in 1,
The shoulder replacement processing unit is:
A condition storage unit that stores the predetermined range of the negligence ratio of the insured person as an application condition of the shoulder replacement special provision;
With reference to the condition storage unit, a condition determination unit that determines whether the negligence ratio of the insured is within the predetermined range;
When the condition determination unit determines that the negligence ratio of the insured is within the predetermined range, the other party is treated as an insurance contractor who is compensated for the repair cost of the automobile that the other party should bear. Provisional setting, and based on the consent of the other party, a counterparty contract processing unit that performs the process of setting the provisional setting of the counterparty as a contract;
Including insurance company system.
3. In the insurance company system described in 2,
A repair shop information storage unit for storing information on a repair shop that repairs a car that an insurance company has previously contracted;
The counterpart contract processing unit stores the temporary setting of the counterpart when the counterpart agrees to repair the counterpart car at the repair factory stored in the repair factory information storage unit. An insurance company system that handles contracts.
4). In the insurance company system described in 3,
The shoulder replacement processing unit is:
When the counterpart contract processing unit temporarily sets the counterpart, the repair factory for repairing the counterpart car from the repair factory set in the repair factory information storage unit And a factory selection department that selects candidates for
The counterpart contract processing unit, when the counterpart agrees to repair the counterpart car at the repair factory selected by the factory selection unit as a candidate, An insurance company system that performs processing.
5). In the insurance company system described in any of 2 to 4,
The shoulder replacement processing unit is:
When the other party contract processing unit performs the process of setting the temporary setting of the other party as the main contract, the repair cost of the car that the other party should bear out of the repair cost of the insured car. An insurance company system that further includes a claim waiver processing section that processes the car insurance insurer to which it is not charged.
6). Computer
Accepting reports of car accidents between cars, including the insured's negligence ratio, and the insurance company paying the repair costs of the car that the other party of the car accident should bear on the insurance that the insured has joined If a special contract is set, it is determined whether the negligence ratio of the insured is within a predetermined range of more than 50% and less than 100%. A program that functions as a substitute processing means for performing a process for obtaining consent.

DESCRIPTION OF SYMBOLS 100 Insurance company system 102 Communication control part 104 Accident report reception part 108 Shoulder processing part 110 Condition judgment part 112 Counterpart contract processing part 114 Factory selection part 116 Claim waiver processing part 130 Contract information storage part 132 Repair factory information storage part 134 Condition storage Part 136 Accident processing storage part 140 Case database 200 Repair factory server 300 Insured terminal 310 Counterpart terminal 400 Network 500 Car 510 Car 520 Temporary stop sign

Claims (5)

Accepting reports of car accidents between cars, including the insured's negligence ratio, and the insurance company paying the repair costs of the car that the other party of the car accident should bear on the insurance that the insured has joined If a special contract is set, it is determined whether the negligence ratio of the insured is within a predetermined range of more than 50% and less than 100%. viewing including the take over processing unit that performs processing for obtaining the consent of,
The shoulder replacement processing unit is:
A condition storage unit that stores the predetermined range of the negligence ratio of the insured person as an application condition of the shoulder replacement special provision;
With reference to the condition storage unit, a condition determination unit that determines whether the negligence ratio of the insured is within the predetermined range;
When the condition determination unit determines that the negligence ratio of the insured is within the predetermined range, the other party is treated as an insurance contractor who is compensated for the repair cost of the automobile that the other party should bear. Temporarily set, and then send an inquiry to the partner terminal using the address information of the partner terminal included in the report to agree with the shoulder contract, and whether to agree from the partner terminal When receiving a reply of whether or not, and receiving a reply of consent, the other party contract processing unit that performs the process of setting the temporary setting of the other party as the present contract,
Including insurance company system. In the insurance company system according to claim 1 ,
A repair shop information storage unit for storing information on a repair shop that repairs a car that an insurance company has previously contracted;
The counterpart contract processing unit makes an inquiry as to whether or not to agree with the replacement special contract that specifies that the counterparty's car should be repaired at the repair factory stored in the repair factory information storage unit. An insurance company system that performs a process of setting the temporary setting of the counterparty as the main contract when receiving a reply of consent or not from the counterparty terminal . In the insurance company system according to claim 2 ,
The shoulder replacement processing unit is:
When the counterpart contract processing unit temporarily sets the counterpart, the repair factory for repairing the counterpart car from the repair factory set in the repair factory information storage unit And a factory selection department that selects candidates for
The counterpart contract processing unit transmits an inquiry to the counterpart terminal as to whether or not to agree with the replacement special contract that specifies repair of the counterpart vehicle at the repair factory selected by the factory selection unit. Insurance company system. In the insurance company system according to any one of claims 1 to 3 ,
The shoulder replacement processing unit is:
When the counterpart contract processing unit has performed the provisional setting of the counterpart on the other party, the repair cost of the automobile that the counterparty should bear out of the repair costs of the insured car , An insurance company system further including a claim waiver processing unit for processing so as not to be charged to an automobile insurance insurance company to which the other party joins. Computer
Accepting reports of car accidents between cars, including the insured's negligence ratio, and the insurance company paying the repair costs of the car that the other party of the car accident should bear on the insurance that the insured has joined If a special contract is set, it is determined whether the negligence ratio of the insured is within a predetermined range of more than 50% and less than 100%. Function as a shoulder processing unit that performs processing to obtain the consent of
The shoulder replacement processing means,
Condition storage means for storing the predetermined range of the negligence ratio of the insured person as an application condition of the shoulder replacement special provision,
Condition determining means for referring to the condition storage means to determine whether the negligence ratio of the insured is within the predetermined range;
When the condition judging means judges that the negligence ratio of the insured person is within the predetermined range, the counterparty is an insurance contractor who is compensated for the repair cost of the automobile that the counterparty should bear. Temporarily set, and then send an inquiry to the partner terminal using the address information of the partner terminal included in the report to agree with the shoulder contract, and whether to agree from the partner terminal When receiving a response of whether or not and receiving a response of consent, the other party contract processing means for processing the temporary setting of the other party as this contract,
Program to function as.

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