KR20010068111A - An estimate displaying method for compare insurance money with compensation money using an internet - Google Patents

Abstract

PURPOSE: A method for providing a compared estimate of a compensation using the Internet is provided to secure a victim's right to the utmost when calculating an insurance amount. CONSTITUTION: If an accident is generated, the victim connects to an operator server through a personal terminal and the Internet(S301). The victim's personal information and the accident related contents are inputted(S303). The victim's personal information is stored in a DB for calculating of an insurance amount, and the inputted information for calculating a court judgment amount is stored in a judgment amount calculating DB. The operator server calculates an insurance amount based on the information and insurance company provisions(S305). If a lawsuit is submitted, an estimate court judgment amount is calculated(S307). A calculation of an insurance amount and a calculation of the estimate court judgment amount are displayed on a browser based on the contents inputted by a user(S309).

Description

How to provide a compensation quote using the internet {AN ESTIMATE DISPLAYING METHOD FOR COMPARE INSURANCE MONEY WITH COMPENSATION MONEY USING AN INTERNET}

The present invention relates to estimating insurance claims and compensation using the Internet, and more particularly, to a method for providing an estimating compensation comparison using the Internet for comparing the compensation amount according to a court ruling with the amount of a policy payment from an insurance company.

In general, the calculation of insurance claims through the Internet is already installed on some sites. For example, "www.oksago.co.kr" compares and calculates insurance claims based on insurance company terms. When calculating the insurance premiums such as the basic information of the victim and the predetermined information for calculating the insurance premiums are calculated and provided to the user.

Therefore, in the case of a car accident, the user calculates the insurance money that can be received from the insurance company subscribed to by the offender after the accident by using the site, and can also easily find the basis for calculating the compensation.

Through the site, the user enters the basics of the victim, such as name, resident number, accident date, hospitalization period, monthly income, negligence, after-effect disorder, after-effect period, etc., to calculate the compensation that can be paid by the insurance company.

For example, according to the payment criteria of insurance companies, the death penalty for traffic accidents ranges from 28 million won to 32 million won. The intermediate interest deduction applies the Leibniz factor, or compounded benefit deduction, and the lost profit is the income of the victim. If there is no data reported to the tax office, the daily wage of the minimum wage of 824,626 won (approximately as announced by the Korea Construction Association, the agency authorizing statistics making under the Statistics Act, 2001.1.1) is applied. When a person is determined to be a vegetative or limb complete paralyzed patient by two or more specialists, the monthly payment is paid as a regular fund, and the amount of the loss of closure is equivalent to 80% of the actual decrease in income.

However, the insurance money is calculated based on the insurance company's terms and conditions, although the user may be injured more than the insurance money paid by the insurance company, the insurance money is bound to be calculated according to the terms and conditions. Accordingly, the victim is sued for the calculation result according to the terms and conditions. At this time, the insurance money under the insurance policy is less than the court judgment amount at the time of filing the lawsuit, and the lawsuit is continuously increasing. As a result, there is a problem that the information comparable with the insurance money and the court decision amount should be fully disclosed to ensure the maximum rights of the victims.

The present invention was created to solve the above problems, and an object of the present invention is to provide a method for providing a comparative estimate of compensation using the Internet, which can guarantee the maximum rights of victims in calculating insurance.

Comprising a method for providing a comparative compensation estimate using the Internet according to an aspect of the present invention for achieving the above object, a) receiving the basic information for each type of victims and information for calculating the court judgment estimate through the Internet network; b) calculating the insurance payment amount of the insurance company from the insurance premium calculation formula according to the insurance policy pre-stored in the insurance premium calculation database based on the basic information of each victim's damage type; c) calculating an expected judgment amount payable when filing a lawsuit from a formula based on court calculation criteria pre-stored in the judgment amount calculation database based on the information for calculating the court judgment estimate; And d) displaying the insurance payment amount and the expected judgment amount calculation result to netizens through the Internet network.

1 is a block diagram of the present invention,

2 is a browser shown in an embodiment of the present invention,

3 is a flowchart according to an embodiment of the present invention.

<Explanation of symbols for the main parts of the drawings>

101: operator server 103: personal terminal

105: insurance claim calculation database 107: judgment amount calculation database

Hereinafter, the present invention will be described in detail with reference to the accompanying drawings.

1 is a block diagram according to the present invention. 3 is a flowchart of the present invention. According to the drawing, the Internet network 100, the operator server 101, the personal terminal 103 is composed of, the operator server 101 is an insurance claim database that stores information for calculating the insurance claim (hereinafter referred to as DB- 105) is connected to the judgment amount calculation DB (107) in which the judgment criterion information is stored and the judgment case information DB (109) in which the judgment case is stored to calculate the expected judgment amount when filing a lawsuit, and provides the information according to a user's request. do.

The personal terminal 103 inputs the victim information 111 to download the insurance information and the estimated judgment amount information 113 provided from the operator server 101.

For example, if a victim who is killed or injured in a traffic accident wants to calculate a claim amount and a legal judgment amount according to the terms of a car insurance due to a traffic accident, the operator server via an internet network 100 through a personal terminal 103. (101) (S301). The operator server 101 requests input information according to this site connection.

The victim selects “injury”, “after-effects”, and “death” according to the type of damage as shown in the example 201, and enters the basics of the victim, such as the name, social security number, vehicle number, and the date and time of the accident. . Herein, the term of collateral refers to whether the insured is covered by the type of collateral according to the automobile insurance, that is, interpersonal indemnity 1, interpersonal indemnity 2, indemnity, self-body accident.

This is input information which is the basis for calculating insurance benefits, and the victim then inputs information for calculating the court judgment amount through the drawing 203. FIG. 203 illustrates an information input browser for calculating a court judgment amount, which is an example of an injury or aftereffect accident. In other words, when the victim selects the type of injury as injury or after-effects, it is displayed as sex, date of birth, date of accident, discharge date, disability period, disability rate, monthly income amount, same-day negligence, nursing or nursing care expenses, medical treatment fee, and future medical expenses. In addition, the amount of material damages, such as repair costs, the amount of medical expenses paid by the insurance company, the amount of damages paid by the insurance company, and the amount of criminal settlement paid by the offender, are entered (S303).

In this case, the operator server 101 provides information from the judgment case information database 109 for setting the mistake of the user, and the user may perform insurance case search based on this information. The insurance case search is entered by setting the degree of negligence of the person in percentage.

On the other hand, if the victim dies, the date of birth, date and time of the accident, the monthly income amount, the amount of negligence, the amount of medical expenses paid directly by the victim or his / her family member, the amount of care before death, and the amount of property damage such as repair costs, insurance Enter the amount of medical expenses paid by the company, the amount of damages paid by the insurance company, and the amount of criminal settlement paid by the offender.

The victim basics input information is stored in the DB 105 for calculating insurance claims, and input information for calculating the court judgment amount is stored in the judgment amount calculating DB 107. The operator server 101 reads the user input information 111 stored in the DB 105 for insurance claims and the calculation information based on the insurance payment terms of the insurance company, and then calculates the payment insurance claims (S305).

In addition, the operator server 101 fetches the calculation formula based on the court calculation standard method including the user input information 111 from the judgment amount calculation DB 107. For example, if the victim's injury type is injury, it is calculated as "{Monthly income * length of stay * Hoffman's factor * (100%-negligence)} + active damage + alimony".

On the other hand, in case of an aftereffect, it is calculated as "Closing Loss + {Monthly Income * Disability Rate (= Labor Capacity Loss) * Hoffman's Factor * (100%-Own Negligence)} + Aggressive Damage + Alimony", and in the case of death, "{ Monthly income * 2/3 (= cost of living deduction) * Hoffman coefficient * (100%-victims negligence)} + active damage + alimony "is calculated as (S307).

The active damages are the direct expenses due to the accident, and include medical expenses, nursing expenses, nursing expenses, funeral expenses, material damages, and repair of damaged vehicles, and the alimony is based on a court case as a mental suffering from an accident, that is, mental damage. Is calculated. Therefore, the operator server 101 fetches court case information from the case case information DB 109 and generates the calculation result.

In this way, based on the victim's input information, the insurance company's insurance claim calculation and the expected judgment amount calculation result at the time of filing a lawsuit are displayed on the browser, as shown in the example drawing 205 (S309).

Accordingly, the victim may know the amount of insurance payments that can be paid from the insurance company and the expected amount of judgment that can be paid from the judgment based on the court case, and the difference between the two payments.

In the present invention, in order to help the victim's input information more accurately, the site is configured such that insurance law / terms, compensation calculation, dispute settlement cases, insurance case search, and free legal counseling are performed, and the victim is based on the information provided above. Or get the user to get the correct information. In consideration of this purpose, compensation calculation result interpretation information can be added together with the insurance claim calculation result and the expected judgment amount calculation result according to the insurance policy.

The compensation calculation analysis information interprets a calculation formula stored in the insurance calculation database 105 and the judgment amount calculation database 107 based on a plurality of information inputted by the victim, and includes a term explanation as necessary. Doing. The operator server 101 fetches the information input by the victim from each database and provides calculation information and terminology information related to the fetched information.

In addition, the operator server 101 provides the information of the case information DB 109 to the personal terminal 103 through the Internet network 100 for the insurance case search, and provides an online consultation for free legal counseling It is.

As described above, the method of providing a comparative compensation estimate using the Internet includes inputting the basic information including the accident history of the victim, collateral information of the perpetrator, and input information for calculating the compensation, the insurance payment amount of the insurance company and As the amount of the judgment paid at the time of filing the lawsuit is provided as an expected amount, it is possible to obtain the maximum protection of the victim's rights.

In addition, when the program according to the present invention is used as the agreement data for the insurance company, the effect of securing the individual's rights according to damage compensation is obtained.

What has been described above is only one embodiment for carrying out the method for providing a comparative estimate of compensation using the Internet according to the present invention, and the present invention is not limited to the above-described embodiment, as claimed in the following claims. Without departing from the gist of the present invention, anyone of ordinary skill in the art will have the technical spirit of the present invention to the extent that various modifications can be made.

Claims (5)

a) receiving the basic information for each victim's damage type and information for calculating a court judgment estimate through the Internet network; b) calculating the insurance payment amount of the insurance company from the insurance premium calculation formula according to the insurance policy pre-stored in the insurance premium calculation database based on the basic information of each victim's damage type; c) calculating an expected judgment amount payable when filing a lawsuit from a formula based on court calculation criteria pre-stored in the judgment amount calculation database based on the information for calculating the court judgment estimate; And d) a method of providing a comparative compensation estimate using the internet, wherein the insurance payment amount and the estimated judgment amount calculation result are displayed to the netizen via the internet network. The method of claim 1, wherein the information for calculating the court judgment estimate is based on gender, date of birth, date of accident, monthly income, negligence, medical expenses, pre-mortal care expenses, physical damages, and insurance provided by the insurance company. Amount of medical treatment, damages paid by the insurance company, information on the amount of the criminal agreement, gender, date of birth, date of accident, date of discharge, period of disability, disability rate, monthly income, negligence, nursing expenses or nursing expenses Method of providing a comparative estimate of compensation using the Internet, characterized in that the past treatment costs, future treatment costs, physical damages amount, treatment costs paid by the insurance company, compensation amount paid by the insurance company and criminal settlement amount information. The method according to claim 1, wherein the calculation formula based on the court calculation criteria indicates that if the victim's damage type is injury, {Monthly income * length of stay * length of Hoffman coefficient * (100%-self-fault)} + active damage + alimony In case of after-effects damage, the amount of loss of closure + {monthly income * disability rate (= loss of labor capacity) * Hoffman's factor * (100%-own negligence)} + active damage + alimony, and in case of death {monthly income * 2/3 (= Cost of living deduction) * Hoffman's coefficient * (100%-victim's negligence)} + a method of providing a comparative estimate of compensation using the Internet, characterized in that the positive damage + alimony. [4] The method of claim 3, wherein the preliminary compensation amount estimation method is provided using the Internet, wherein the preliminary case information stored in the judgment case information database is provided for input of the mistake information. The method of claim 1, wherein the compensation amount calculation commentary information is further included in displaying the insurance payment amount and the expected judgment amount calculation result.