JP6635413B2 - Premium estimation system, premium estimation device, computer program, and premium estimation method - Google Patents

Description

  The present invention relates to a premium estimation system, a premium estimation device, a computer program, and a premium estimation method.

  The Ministry of Land, Infrastructure, Transport and Tourism has notified the local governments of the guidelines for measuring road surface properties in order to prevent accidents and problems caused by aging roads. Conventionally, road surface properties were measured manually using mechanical measuring instruments and sketches.In recent years, non-contact road surface properties are automatically measured using a road surface property measuring vehicle. Is the mainstream. Against this background, JP-A-2006-45063 proposes a method for measuring road surface properties using a vehicle for measuring road surface properties.

JP-A-2006-45063

  By the way, regarding the roads owned, used, and managed by the municipality, if an accidental accident caused by a defect in the management of the road results in the death or obstruction of a third party such as a passerby or damage to its property, Must be responsible for legal damages such as the National Compensation Law as a road manager. However, road liability insurance premiums are calculated based on past compensation payments, and the actual state of road management was not used as a basis for calculating insurance premiums. The potential risks of accidents and troubles on roads whose road surface properties are regularly measured and road surface repairs are actively made are considered to be relatively low. On the other hand, potential risks such as accidents and troubles on roads on which neither road surface properties nor road surface repair have been actively performed are considered to be relatively high. According to a survey on road management defects in FY 2006, the top cause of accidents in management defect cases paid by the road manager for compensation was accidents caused by holes and steps. Subsequently, the second most common cause was an accident caused by lid failure, and the third most common cause was an accident caused by falling rocks. In this way, despite the fact that the actual condition of road management affects potential risks such as accidents and troubles, it is not used as the basis for calculating insurance premiums. Has the problem of not meeting the requirements.

  Accordingly, an object of the present invention is to propose an insurance premium estimation system capable of estimating a premium for road liability insurance based on a road management state.

  In order to solve the above-described problems, an insurance premium estimation system according to the present invention includes an in-vehicle device and an insurance premium estimation device. The in-vehicle device includes a road surface property measuring device that measures a road surface property for each road section, and a first communication device that transmits the road surface property data measured for each road section to the insurance premium estimation device. The insurance premium estimation device is a second communication device that receives the road surface property data measured for each road section from the in-vehicle device, and a storage device that stores the road surface property data measured for each road section, Evaluation means for determining an evaluation value relating to a road management state for each section based on road surface property data measured for each section of the road, and road liability insurance for the road based on the evaluation value for each section of the road Estimating means for estimating the insurance premium.

  According to the insurance premium estimation system according to the present invention, it is possible to estimate the insurance premium for road liability insurance based on the management status of the road, so that it is possible to estimate the insurance premium reflecting the actual status of the management status of the road.

It is a lineblock diagram of an insurance premium estimation system concerning an embodiment of the present invention. FIG. 4 is an explanatory diagram illustrating an example of a defect type evaluation table according to the embodiment of the present invention. FIG. 4 is an explanatory diagram illustrating an example of a measurement frequency evaluation table according to the embodiment of the present invention. It is explanatory drawing which shows an example of the progress degree evaluation table of road surface repair concerning embodiment of this invention. FIG. 4 is an explanatory diagram illustrating an example of a measurement data accumulation table according to the embodiment of the present invention. It is a flowchart which shows the flow of the estimate calculation processing of the premium of the road liability insurance concerning the road concerning embodiment of this invention.

Hereinafter, embodiments of the present invention will be described with reference to the drawings. Here, the same reference numerals denote the same components, and redundant description will be omitted.
FIG. 1 is a configuration diagram of an insurance premium estimation system 10 according to the embodiment of the present invention. The insurance premium estimation system 10 is a computer system that calculates an estimate of the insurance premium IF for road liability insurance based on the road management state. The insurance premium estimation system 10 includes an in-car device 20, an insurance premium estimation device 30, and a relay device 40. The in-vehicle device 20, the insurance premium estimation device 30, and the relay device 40 are communicably connected through a communication network 50.

  The in-vehicle device 20 is an in-vehicle computer mounted on a road surface property measuring vehicle that measures road surface properties in a non-contact manner while traveling on a road. Since the road management state differs for each road portion, the road is divided into a plurality of sections in advance for the convenience of measuring road surface properties. The in-vehicle device 20 measures the road surface property for each section of the road, and transmits the measured road surface data to the insurance premium estimation device 30 via the communication network 50. The road surface property is a road surface profile indicating uneven displacement of the road surface, and from this road surface profile, cracks, ruts, and flatness of the road surface can be measured. The insurance premium estimating device 30 determines an evaluation value relating to a road management state for each road section, and calculates an estimate of a road liability insurance premium IF based on the evaluation value for each road section. It is. There are three types of evaluation values related to the road management state. One is a first evaluation value EV1 relating to a road management state determined based on road surface properties. The other is a second evaluation value EV2 relating to the road management state determined based on the measurement frequency of the road surface property. The remaining one is a third evaluation value EV3 relating to the road management state determined based on the degree of progress of the road surface repair. In this specification, unless otherwise specified, the term “evaluation value” is a general term for “first evaluation value EV1”, “second evaluation value EV2”, and “third evaluation value EV3”. And The insurance premium IF can be obtained from equation (1).

IF = IF0 × (1 + F) (1)
Here, IF0 is a performance assessment premium calculated by a conventional calculation method. The performance assessment premium is calculated based on, for example, the policyholder's past compensation payment amount, the contract period, the length of the road to be insured, and the like. F is a premium coefficient of the insurance premium, which can be obtained from equation (2).

F = ΣEV1 / L × α + ΣEV2 / L × β + ΣEV3 / L × γ (2)
Here, ΣEV1 is a total value obtained by adding together the first evaluation values EV1 determined based on the road surface properties of each section of the road for all sections. As the road surface property is better, the potential risk such as an accident or trouble caused by the road management state can be estimated to be relatively low. Therefore, the better the road surface property is, the lower the first evaluation value EV1 is. . ΣEV2 is a total value obtained by adding together the second evaluation values EV2 determined based on the measurement frequency of the road surface property of each section of the road for all sections. The more frequently the road surface property is measured, the better the road is (there is therefore a relatively low potential risk of accidents and troubles due to road management conditions). The second evaluation value EV2 becomes a lower value as the measurement frequency of is larger. ΣEV3 is a total value obtained by summing the third evaluation value EV3 determined based on the degree of progress of the road surface repair of each section of the road for all sections. The higher the degree of progress of road repair, the better the road is (there is a relatively low potential risk of accidents and troubles due to road management), so road repair is possible. The third evaluation value EV3 becomes a lower value as the progress degree of is faster. Note that α, β, and γ are weighting factors, respectively. α is, for example, a positive number having a fixed value greater than 0 and equal to or less than 1. β and γ are, for example, constant values of 0 or more and 1 or less. L is the length of the road to be insured. When estimating the insurance premium IF, the second evaluation value EV2 and the third evaluation value EV3 are not essential, and either or both of β and γ may be set to 0.

  The in-vehicle device 20 includes a processor 21, a storage device 22, a communication device 23, a road surface property measuring device 24, a position information acquiring device 25, and a time information acquiring device 26 as its hardware resources.

  The processor 21 is a CPU (Central Processing Unit) including an arithmetic and logic operation unit that processes arithmetic operations, logical operations, bit operations, and the like, and various registers (such as data registers, instruction registers, and general-purpose registers). The processor 21 controls operations (for example, road surface property measurement processing, communication processing, and the like) of the vehicle-mounted device 20 by interpreting and executing a computer program stored in the storage device 22.

  The storage device 22 is a computer-readable recording medium such as a hard disk drive, a solid state drive, a memory card, an optical disk drive, and a semiconductor memory. The semiconductor memory may be a volatile memory or a non-volatile memory.

  The road surface property measuring device 24 measures the road surface property for each section of the road. The road surface property measuring device 24 may be, for example, a laser profiler that measures the road surface property using a laser beam, or may be an acceleration sensor that measures the road surface property from vibrations during vehicle running. In particular, as the road surface property measuring device 24 for measuring cracks, for example, a crack measuring device including a streak camera and a halogen lamp may be used. Further, as the road surface property measuring device 24 for measuring the rut digging, for example, a rut digging measuring device provided with a laser slit projector and a line sensor camera may be used. Further, as the road surface property measuring device 24 for measuring the flatness of the road surface (transverse unevenness of the road surface), for example, a flatness measuring device provided with a non-contact laser displacement meter may be used.

  The position information acquisition device 25 acquires position information of the road surface property measurement position (for example, position information of a point representing each section of the road). The position information acquisition device 25 is, for example, a GPS (Global Positioning System) device. In this case, the position information of the road surface property measurement position is longitude and latitude information. The time information acquiring device 26 acquires date and time information at which road surface properties are measured in each section of the road.

  The communication device 23 controls communication between the vehicle-mounted device 20 and the insurance premium estimation device 30 via the communication network 50. The communication network 50 includes, for example, a wired network (for example, a short-distance communication network, a wide-area communication network, or a value-added communication network) and a wireless network (mobile communication network, satellite communication network, Bluetooth, WiFi (Wireless Fidelity), HSDPA ( High Speed Downlink Packet Access). The communication device 23 insures various data (contractor ID, vehicle ID, road surface property data measured for each section of the road, position information of the road surface property measurement position, and date and time information on which the road surface property was measured). The fee is transmitted to the fee estimation device 30. Here, the policyholder ID is identification information of the policyholder. The vehicle ID is identification information of a road surface property measuring vehicle on which the vehicle-mounted device 20 is mounted.

  The insurance premium estimation device 30 includes a processor 31, a storage device 32, and a communication device 33 as its hardware resources. The hardware configurations of the processor 31, the storage device 32, and the communication device 33 are the same as the hardware configurations of the processor 21, the storage device 22, and the communication device 23, and thus a detailed description thereof will be omitted.

  The storage device 32 stores a computer program 100. The computer program 100 is a program for controlling the operation of the insurance premium estimation device 30, and includes a plurality of software modules called and executed in the main program. Such a software module is a subprogram modularized to execute a specific process (for example, an evaluation process, a measurement frequency calculation process, a progress degree calculation process, and an estimation process). The software module is created using, for example, a procedure, a subroutine, a method, a function, or a data structure. As a modularized subprogram, the computer program 100 includes an evaluation module 110 and an estimation module 120.

  When β = γ = 0, the evaluation module 110 determines the first evaluation value EV1 for each section based on the road surface property measured for each section of the road. For each type of road defect, the degree of the defect and the first evaluation value EV1 are associated in advance. The evaluation module 110 determines the type of the defect and the degree of the defect from the measured road surface properties, and determines the first evaluation value EV1 from the type of the defect and the degree of the defect.

  When β ≠ 0, γ = 0, the evaluation module 110 calculates the measurement frequency for each section of the road from the number of times of measurement of the road surface property within a predetermined period. The beginning of the predetermined period is, for example, the measurement start date and time of the road surface property, and the end of the predetermined period is, for example, the date and time for determining the evaluation value. The evaluation module 110 determines the first evaluation value EV1 for each section based on the road surface property measured for each section of the road, and determines the second evaluation value EV2 based on the measurement frequency for each section of the road. Is determined for each section.

  When β = 0, γ ≠ 0, the evaluation module 110 calculates the degree of progress of road surface repair for each section of the road from the change in road surface properties within a predetermined period. For example, the evaluation module 110 can calculate the degree of progress of the road surface repair from the difference between the degree of the defect at the beginning of the predetermined period and the degree of the defect at the end of the predetermined period. The evaluation module 110 determines the first evaluation value EV1 for each section based on the road surface property measured for each section of the road, and determines the third evaluation value EV1 based on the degree of progress of the road surface road repair for each section of the road. Is determined for each section.

  When β ≠ 0 and γ ≠ 0, the evaluation module 110 determines the first evaluation value EV1 for each section based on the road surface properties measured for each section of the road, and measures the measurement frequency for each section of the road. , A second evaluation value EV2 is determined for each section, and a third evaluation value EV3 is determined for each section based on the degree of progress of road surface road repair for each section of the road.

  By the cooperation of the hardware resource of the insurance premium estimation device 30 and the evaluation module 110, a function as an evaluation means for determining an evaluation value relating to a road management state for each section of the road is realized.

  The estimation module 120 determines the evaluation values determined by the evaluation module 110 (for example, only the first evaluation value EV1, a combination of the first evaluation value EV1 and the second evaluation value EV2, and the first evaluation value EV1 and the third evaluation value EV3). , Or the combination of the first evaluation value EV1, the second evaluation value, and the third evaluation value EV3) based on the expression (1) and the expression (2). Estimate liability insurance premiums. The cooperation between the hardware resource of the insurance premium estimation device 30 and the estimation module 120 realizes a function as an estimation means for estimating the insurance premium of the road liability insurance.

  The communication device 33 stores various data (contractor ID, vehicle ID, road surface property data measured for each section of the road, position information of the road surface measurement position, and date and time information on which the road surface property was measured) It is received from the in-vehicle device 20 via the communication network 50. The communication device 33 may receive these various types of data directly from the in-vehicle device 20, or may indirectly receive the various data from the in-vehicle device 20 via the relay device 40. The relay device 40 relays the transmission of the various data described above from the vehicle-mounted device 20 to the insurance premium estimation device 30. The relay device 40 includes a processor 41, a storage device 42, and a communication device 43 as its hardware resources. Since the hardware configurations of the processor 41, the storage device 42, and the communication device 43 are the same as the hardware configurations of the processor 21, the storage device 22, and the communication device 23, detailed description thereof will be omitted. The communication device 43 receives the various data described above from the vehicle-mounted device 20 and temporarily stores the data in the storage device 42. The processor 41 reads the above-described various data temporarily stored in the storage device 42 from the storage device 42 at a predetermined timing, and transmits this to the insurance premium estimation device 30 through the communication device 43. However, the relay device 40 is not essential to the insurance premium estimation system 10 and may be omitted.

  When the communication device 23 of the in-vehicle device 20 and the communication device 33 of the insurance premium estimation device 30 are distinguished, the former is referred to as “first communication device” and the latter is referred to as “second communication device”.

  The storage device 32 stores various tables (a defect type evaluation table 210, a measurement frequency evaluation table 220, a road surface repair progress evaluation table 230, and a measurement data accumulation table 240) for determining an evaluation value related to a road management state. It is remembered. As shown in FIG. 2, the defect type evaluation table 210 is a table in which the degree of defect and the first evaluation value EV1 are associated in advance for each type of road defect. Types of road defects include, for example, rutting, steps, cracks, and potholes. In the example shown in FIG. 2, the degree of the defect is set to three levels of “high”, “medium”, and “low”, and the first evaluation values EV1 are x1, y1, and z1. However, x1> y1> z1. Note that the correspondence between the degree of defect and the first evaluation value EV1 may be set in four or more stages. As shown in FIG. 3, the measurement frequency evaluation table 220 is a table that associates the measurement frequency of the road surface property measurement with the second evaluation value EV2 in advance. In the example shown in FIG. 3, the second evaluation values EV2 when the measurement frequencies are N1, N2, and N3 are x2, y2, and z2, respectively. However, N1 <N2 <N3 and x2> y2> z2. Note that the correspondence between the measurement frequency and the second evaluation value EV2 may be set in four or more stages. As shown in FIG. 4, the road surface repair progress evaluation table 230 is a table that associates the road repair progress with the third evaluation value EV3 in advance. In the example illustrated in FIG. 4, the third evaluation values EV3 when the degree of progress of the road surface repair is M1, M2, and M3 are x3, y3, and z3, respectively. However, M1 <M2 <M3, and x3> y3> z3. The correspondence between the degree of progress of the road surface repair and the third evaluation value EV3 may be set in four or more stages.

  As shown in FIG. 5, in the measurement data accumulation table 240, “contractor ID”, “vehicle ID”, “road surface data”, “position information of road surface measurement position”, and “road surface measurement” are performed. "Date and time information", "defect type", "degree of defect", "first evaluation value EV1", "number of measurements", "measurement frequency", "second evaluation value EV2", "degree of progress of road surface repair" And a "third evaluation value EV3" are stored in association with each other. The evaluation module 110 measures various data (contractor ID, vehicle ID, road surface property data measured for each section of the road, road surface property measurement position information, and road surface property received from the vehicle-mounted device 20). Are written in the corresponding columns of the measurement data storage table 240, respectively.

  The evaluation module 110 determines the type of the road defect and the degree of the defect from the “road surface property data”, and stores each determination result in the “defect type” and “defect degree” columns of the measurement data storage table 240. Write to. Further, the evaluation module 110 refers to the defect type evaluation table 210, and stores the first evaluation value EV1 corresponding to the defect type and the degree of the defect in the “first evaluation value EV1” of the measurement data accumulation table 240. Write in the field. The example shown in FIG. 5 illustrates a case where the “degree of defect” is “medium” and the “first evaluation value EV1” is “y1”.

  The evaluation module 110 calculates the number of times of measurement of the road surface property from the number of past measurements of the same section stored in the measurement data accumulation table 240, and writes this in the “measurement number” column of the measurement data accumulation table 240. . In addition, the evaluation module 110 calculates the measurement frequency from the number of measurements in the predetermined period, and writes this in the “measurement frequency” column of the measurement data accumulation table 240. The evaluation module 110 refers to the measurement frequency evaluation table 220 and writes the second evaluation value EV2 corresponding to the measurement frequency in the “second evaluation value EV2” column of the measurement data accumulation table 240. The example illustrated in FIG. 5 illustrates a case where the “number of measurements” is “L”, the “measurement frequency” is “N1”, and the “second evaluation value EV2” is “x2”. .

  The evaluation module 110 searches the degree of past defects of the same section stored in the measurement data storage table 240, and determines the degree of road repair based on the difference between the degree of past defects and the degree of defects at the time of determining the evaluation value. Calculate the degree of progress. The evaluation module 110 writes the calculated degree of progress of road surface repair in the column of “degree of progress of road surface repair” in the measurement data accumulation table 240. The evaluation module 110 refers to the road repair progress degree evaluation table 230, and stores the third evaluation value EV3 corresponding to the road repair progress degree in the “third evaluation value EV3” column of the measurement data accumulation table 240. Write. The example illustrated in FIG. 5 illustrates a case where the “degree of progress of road surface repair” is “M2” and the “third evaluation value EV3” is “y3”.

  In the above description, an example is shown in which the first evaluation value EV1 is obtained by referring to the measurement data accumulation table 240 based on the type of the road defect and the degree of the defect. The first evaluation value EV1 may be associated with the evaluation index for evaluating the degree of damage to the road by combining the three factors. As such evaluation values, a maintenance index, a serviceability index, and the like are known.

  Next, an insurance premium estimation method according to the present embodiment will be described with reference to FIG. First, the in-vehicle device 20 measures the road surface property for each section of the road (step 601), and stores various data (contractor ID, vehicle ID, data of the road surface property measured for each section of the road, and the road surface property measurement position). The position information and the date and time information on which the road surface property was measured are transmitted to the insurance premium estimation device 30 (step 602). The insurance premium estimation device 30 receives these various data (step 603), and stores these various data in the measurement data accumulation table 240 (step 604). The insurance premium estimation device 30 determines an evaluation value related to the road management state for each section based on the various data stored in the measurement data accumulation table 240 (step 605). Next, the insurance premium estimation device 30 calculates the insurance premium IF of the road liability insurance for the road from the equations (1) and (2) (step 606), and sends the estimated calculation result to the insurance contractor. Send it (step 607).

  According to the insurance premium estimation system 10 according to the present embodiment, since the insurance premium for road liability insurance is estimated based on the road management status, it is possible to estimate the insurance premium reflecting the actual status of the road management status. In particular, the type of the defect and the degree of the defect are determined from the measured road surface properties of each section of the road, and the first evaluation value EV1 is determined for each section from the type of the defect and the degree of the defect. The actual state of the management state can be appropriately evaluated. Further, by determining the second evaluation value EV2 for each section based on the measurement frequency for each section of the road, the actual state of the road management state can be more appropriately evaluated. In addition, by determining the third evaluation value EV3 for each section based on the degree of progress of the road surface road repair for each section of the road, the actual state of the road management state can be more appropriately evaluated.

  The embodiments described above are intended to facilitate understanding of the present invention, and are not intended to limit and interpret the present invention. The present invention can be changed / improved without departing from the spirit thereof, and the present invention also includes equivalents thereof. That is, those in which a person skilled in the art appropriately changes the design of each embodiment are included in the scope of the present invention as long as they have the features of the present invention. In addition, each element included in each embodiment can be combined as far as technically possible, and a combination of these elements is included in the scope of the present invention as long as it includes the features of the present invention.

DESCRIPTION OF SYMBOLS 10 ... Premium estimation system 20 ... In-vehicle device 21 ... Processor 22 ... Storage device 23 ... Communication device 24 ... Road surface property measuring device 25 ... Position information acquisition device 26 ... Time information acquisition device 0 ... Insurance premium estimation device 31 ... Processor 32 ... Storage device 33 Communication device 40 Relay device 41 Processor 42 Storage device 43 Communication device 100 Computer program 110 Evaluation module 120 Estimation module 210 Defect type evaluation table 220 Measurement frequency evaluation table 230 Road repair Progress degree evaluation table 240 ... Measurement data accumulation table

Claims (6)

An insurance premium estimation system including an in-vehicle device and an insurance premium estimation device,
The in-vehicle device,
A road surface property measuring device for measuring the road surface property for each section of the road;
A first communication device that transmits the measured road surface property data to the insurance premium estimation device for each section of the road,
The insurance premium estimation device,
A second communication device that receives the measured road surface property data from the in-vehicle device for each section of the road,
A storage device that stores the measured road surface property data for each section of the road,
Based on the measured road surface property data for each section of the road, a first evaluation value relating to the road management state is determined for each section , and the road surface property is measured from the number of times the road surface property is measured within a predetermined period. Evaluation means for calculating a measurement frequency for each section of the road, and determining a second evaluation value related to the management state of the road for each section based on the measurement frequency for each section of the road ;
Estimating means for estimating a premium for road liability insurance on the road based on the first evaluation value and the second evaluation value for each section of the road;
Premium estimation system equipped with. An insurance premium estimation system including an in-vehicle device and an insurance premium estimation device,
The in-vehicle device,
A road surface property measuring device for measuring the road surface property for each section of the road;
A first communication device that transmits the measured road surface property data to the insurance premium estimation device for each section of the road,
The insurance premium estimation device,
A second communication device that receives the measured road surface property data from the in-vehicle device for each section of the road,
A storage device that stores the measured road surface property data for each section of the road,
Based on the measured road surface property data for each section of the road, a first evaluation value related to the management state of the road is determined for each section, and a change in the road surface property within a predetermined period is used to determine the road condition of the road. Evaluation means for calculating a degree of progress of the road surface repair for each section, and determining a third evaluation value relating to the management state of the road for each section based on the degree of progress of the road surface repair for each section of the road ; ,
Estimating means for estimating a premium for road liability insurance on the road based on the first evaluation value and the third evaluation value for each section of the road;
Premium estimation system equipped with. An insurance premium estimation system including an in-vehicle device and an insurance premium estimation device,
The in-vehicle device,
A road surface property measuring device for measuring the road surface property for each section of the road;
A first communication device that transmits the measured road surface property data to the insurance premium estimation device for each section of the road,
The insurance premium estimation device,
A second communication device that receives the measured road surface property data from the in-vehicle device for each section of the road,
A storage device that stores the measured road surface property data for each section of the road,
Based on the measured road surface property data for each section of the road, a first evaluation value relating to the road management state is determined for each section , and the road surface property is measured from the number of times the road surface property is measured within a predetermined period. Calculating the measurement frequency for each section of the road, calculating the degree of progress of the road surface repair for each section of the road from the change in the road surface properties within a predetermined period, based on the measurement frequency for each section of the road, A second evaluation value regarding the management state of the road is determined for each section, and a third evaluation value regarding the management state of the road is determined for each section based on the degree of progress of the road surface repair for each section of the road. Evaluation means for determining ;
Estimating means for estimating a premium for road liability insurance on the road based on the first evaluation value , the second evaluation value, and the third evaluation value for each section of the road;
Premium estimation system equipped with. A communication device that receives road surface property data measured for each section of the road,
A storage device that stores the measured road surface property data for each section of the road,
Based on the measured road surface property data for each section of the road, a first evaluation value relating to the road management state is determined for each section , and the road surface property is measured from the number of times the road surface property is measured within a predetermined period. Calculating the measurement frequency for each section of the road, calculating the degree of progress of the road surface repair for each section of the road from the change in the road surface properties within a predetermined period, based on the measurement frequency for each section of the road, A second evaluation value regarding the management state of the road is determined for each section, and a third evaluation value regarding the management state of the road is determined for each section based on the degree of progress of the road surface repair for each section of the road. Evaluation means for determining ;
Estimating means for estimating a premium for road liability insurance on the road based on the first evaluation value , the second evaluation value, and the third evaluation value for each section of the road;
Premium estimation device equipped with. On the computer,
Receiving road surface property data measured for each section of the road;
Storing the measured road surface property data for each section of the road;
Based on the measured road surface property data for each section of the road, a first evaluation value relating to the road management state is determined for each section , and the road surface property is measured from the number of times the road surface property is measured within a predetermined period. Calculating the measurement frequency for each section of the road, calculating the degree of progress of the road surface repair for each section of the road from the change in the road surface properties within a predetermined period, based on the measurement frequency for each section of the road, A second evaluation value regarding the management state of the road is determined for each section, and a third evaluation value regarding the management state of the road is determined for each section based on the degree of progress of the road surface repair for each section of the road. Deciding ;
Estimating a premium for road liability insurance for the road based on the first evaluation value , the second evaluation value, and the third evaluation value for each section of the road;
A computer program that executes Computer
Receiving road surface property data measured for each section of the road;
Storing the measured road surface property data for each section of the road;
Based on the measured road surface property data for each section of the road, a first evaluation value relating to the road management state is determined for each section , and the road surface property is measured from the number of times the road surface property is measured within a predetermined period. Calculating the measurement frequency for each section of the road, calculating the degree of progress of the road surface repair for each section of the road from the change in the road surface properties within a predetermined period, based on the measurement frequency for each section of the road, A second evaluation value regarding the management state of the road is determined for each section, and a third evaluation value regarding the management state of the road is determined for each section based on the degree of progress of the road surface repair for each section of the road. Deciding ;
Estimating a premium for road liability insurance for the road based on the first evaluation value , the second evaluation value, and the third evaluation value for each section of the road;
Perform a premium estimation method.

Images