CN106781437A - For the reparation strategy determination method of fender-bender - Google Patents

For the reparation strategy determination method of fender-bender Download PDF

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Publication number
CN106781437A
CN106781437A CN201611195642.7A CN201611195642A CN106781437A CN 106781437 A CN106781437 A CN 106781437A CN 201611195642 A CN201611195642 A CN 201611195642A CN 106781437 A CN106781437 A CN 106781437A
Authority
CN
China
Prior art keywords
step
vehicle
accident
car owner
fender
Prior art date
Application number
CN201611195642.7A
Other languages
Chinese (zh)
Inventor
卜城格
吴英华
朱波
闫帅
王祖元
Original Assignee
安徽保腾网络科技有限公司
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by 安徽保腾网络科技有限公司 filed Critical 安徽保腾网络科技有限公司
Priority to CN201611195642.7A priority Critical patent/CN106781437A/en
Publication of CN106781437A publication Critical patent/CN106781437A/en

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Classifications

    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/08Insurance, e.g. risk analysis or pensions
    • GPHYSICS
    • G08SIGNALLING
    • G08GTRAFFIC CONTROL SYSTEMS
    • G08G1/00Traffic control systems for road vehicles

Abstract

The invention discloses the reparation strategy determination method for fender-bender, including:Step 1, the owner information to accident vehicle is obtained, and confirms the vehicle insurance type that car owner is purchased, and the owner information includes car owner's personal information, insure type of vehicle and accident spot;Step 2, is integrally taken pictures to accident vehicle, and the impaired place of accident vehicle is taken pictures, so that it is determined that the damage condition of the motor vehicles;Step 3, the physiological health to accident vehicle car owner is detected;Step 4, the damage situations according to the vehicle insurance type, the physiological health situation of car owner and accident vehicle determine vehicle insurance reparation strategy.The method overcomes vehicle insurance in the prior art to compensate tactful very complicated, and process time is long, has both wasted the time of happy car owner, wastes the resource of company, and the low problem of efficiency.

Description

For the reparation strategy determination method of fender-bender

Technical field

The present invention relates to vehicle insurance field, in particular it relates to be used for the reparation strategy determination method of fender-bender.

Background technology

Automobile insurance is " vehicle insurance ", be with motor vehicles in itself and its one kind that the third party liability etc. is insurance mark Vehicle Risk.The tactful very complicated of vehicle insurance reparation of the prior art, process time is long, when accident is slight cutting to pieces Rub, economic loss hour had both wasted the time of happy car owner, wasted the resource of company, and efficiency is low.

Therefore it provides one kind is in use, the vehicle insurance Claims Resolution work of fender-bender can be quickly and efficiently solved Make, both saved car owner's time, can also provide rationally the reparation strategy determination for fender-bender of accurately Claims Resolution scheme Method is the problem of urgent need to resolve of the present invention.

The content of the invention

For above-mentioned prior art, it is an object of the present invention to overcome vehicle insurance in the prior art to compensate tactful cumbersome Complexity, process time is long, has both wasted the time of happy car owner, the resource of company, and the low problem of efficiency is wasted, so as to provide It is a kind of quickly and efficiently to solve vehicle insurance Claims Resolution work in use, car owner's time had both been saved, can also provide reasonable standard The reparation strategy determination method for fender-bender of true Claims Resolution scheme.

To achieve these goals, the invention provides a kind of reparation strategy determination method for fender-bender, Methods described includes:Step 1, the owner information to accident vehicle is obtained, and confirms the vehicle insurance type that car owner is purchased, described Owner information includes car owner's personal information, insure type of vehicle and accident spot;Step 2, integrally takes pictures to accident vehicle, And the impaired place of accident vehicle is taken pictures, so that it is determined that the damage condition of the motor vehicles;Step 3, to accident vehicle The physiological health of car owner is detected;Step 4, according to the vehicle insurance type, the physiological health situation of car owner and accident vehicle Damage situations determine vehicle insurance reparation strategy.

Preferably, it is further comprising the steps of between the step 1 and the step 2:Collection obtains the row of accident vehicle Sail record information, and pavement image to the scene of the accident is obtained, in the step 4 when vehicle insurance reparation strategy is determined Need to be judged according to the traveling record information of the accident vehicle of collection.

Preferably, it is further comprising the steps of between the step 1 and the step 2:Collection obtains traffic department to thing The photo or copy of the confirmation of responsibility book pretended out, need according to collection in the step 4 when vehicle insurance reparation strategy is determined The photo of the confirmation of responsibility book or the information of copy judged.

Preferably, the reparation strategy determination method for fender-bender also includes step 5, and the step 5 is The vehicle insurance reparation strategy that will be determined in step 4 is sent to the car owner of vehicle of insuring.

Preferably, carrying out detection to the physiological health of car owner in the step 3 includes:In vehicle main body alcohol content detection and Fatigue strength is detected.

Preferably, it is further comprising the steps of between the step 2 and the step 3:According to the vehicle gathered in step 2 The damage condition contrast vehicle insurance type purchased of car owner, judge accident vehicle whether in purchased insurance kind extent of compensation;If In purchased insurance kind extent of compensation, then step 3 is performed;Otherwise directly perform step 4.

According to above-mentioned technical proposal, the reparation strategy determination method provided by the present invention for fender-bender is led to first Obtain the information of car owner and purchase vehicle insurance information, for the car damage identification of fender-bender, can be using car owner voluntarily to receiving Damaging vehicle carries out the method for being uploaded to corporate server of taking pictures, and the company core person of speaking sarcastically carries out setting loss according to image information, in order to increase The reasonability and accuracy of the big vehicle insurance reparation strategy for determining, in addition it is also necessary to which the physiological health to car owner detects, such as car owner Whether it is to drive when intoxicated or situations such as drink-driving.Company finally determines vehicle insurance reparation strategy, and notifies car owner.This hair The bright tactful determination method of the reparation for fender-bender overcomes vehicle insurance in the prior art to compensate tactful very complicated, Process time is long, has both wasted the time of happy car owner, wastes the resource of company, and the low problem of efficiency.

Other features and advantages of the present invention will be described in detail in subsequent specific embodiment part.

Brief description of the drawings

Accompanying drawing is, for providing a further understanding of the present invention, and to constitute the part of specification, with following tool Body implementation method is used to explain the present invention together, but is not construed as limiting the invention.In the accompanying drawings:

Fig. 1 is that a kind of reparation strategy for fender-bender of preferred embodiment middle offer of the invention determines The FB(flow block) of method.

Specific embodiment

Specific embodiment of the invention is described in detail below in conjunction with accompanying drawing.It should be appreciated that this place is retouched The specific embodiment stated is merely to illustrate and explain the present invention, and is not intended to limit the invention.

Such as Fig. 1, described for slight the invention provides a kind of reparation strategy determination method for fender-bender The reparation strategy determination method of traffic accident includes:Step 1, the owner information to accident vehicle is obtained, and confirms car owner The vehicle insurance type purchased, the owner information includes car owner's personal information, insure type of vehicle and accident spot;Step 2, to thing Therefore vehicle is integrally taken pictures, and the impaired place of accident vehicle is taken pictures, so that it is determined that the damage feelings of the motor vehicles Condition;Step 3, the physiological health to accident vehicle car owner is detected;Step 4, the physiology according to the vehicle insurance type, car owner is good for The damage situations of health situation and accident vehicle determine vehicle insurance reparation strategy.

According to above-mentioned technical proposal, the reparation strategy determination method provided by the present invention for fender-bender is led to first Obtain the information of car owner and purchase vehicle insurance information, for the car damage identification of fender-bender, can be using car owner voluntarily to receiving Damaging vehicle carries out the method for being uploaded to corporate server of taking pictures, and the company core person of speaking sarcastically carries out setting loss according to image information, in order to increase The reasonability and accuracy of the big vehicle insurance reparation strategy for determining, in addition it is also necessary to which the physiological health to car owner detects, such as car owner Whether it is to drive when intoxicated or situations such as drink-driving.Company finally determines vehicle insurance reparation strategy, and notifies car owner.This hair The bright tactful determination method of the reparation for fender-bender overcomes vehicle insurance in the prior art to compensate tactful very complicated, Process time is long, has both wasted the time of happy car owner, wastes the resource of company, and the low problem of efficiency.

The reasonability and accuracy of strategy are compensated for the vehicle insurance for further increasing determination, of the invention a kind of preferred It is further comprising the steps of between the step 1 and the step 2 in implementation method:Collection obtains the traveling note of accident vehicle Record information, and pavement image to the scene of the accident obtains, in the step 4 when vehicle insurance reparation strategy is determined needs The traveling record information of the accident vehicle according to collection is judged.

It is of the invention it is a kind of preferred embodiment in, between the step 1 and the step 2 also include following step Suddenly:Collection obtains the photo or copy of the confirmation of responsibility book that traffic department makes to accident, and vehicle insurance is being determined in the step 4 Need to be judged according to the photo of the confirmation of responsibility book or the information of copy of collection during reparation strategy, so as to improve determination Vehicle insurance reparation strategy reasonability and accuracy.

In the present invention, in order that obtaining car owner can in time understand the vehicle insurance reparation strategy of determination, and car owner is not delayed Time, it is of the invention it is a kind of preferred embodiment in, the reparation strategy determination method for fender-bender Also include step 5, the step 5 is the car owner that the vehicle insurance reparation strategy that will be determined in step 4 is sent to vehicle of insuring, so that So that invention of the invention more hommization.

It is of the invention it is a kind of preferred embodiment in, the physiological health in the step 3 to car owner carries out detection bag Include:Alcohol content detection and fatigue strength detection in vehicle main body, so as to judge whether car owner is drunk driving, drunk driving or fatigue driving Situations such as, company needs to take into account the physiological health testing result of car owner when vehicle insurance reparation strategy is determined, so as to increase The accuracy of big vehicle insurance reparation strategy.

It is of the invention it is a kind of preferred embodiment in, between the step 2 and the step 3 also include following step Suddenly:The damage condition contrast vehicle insurance type purchased of car owner according to the vehicle gathered in step 2, judge accident vehicle whether In purchased insurance kind extent of compensation;If in purchased insurance kind extent of compensation, performing step 3;Otherwise directly perform step 4.This Sample just simplifies the tactful determination method of reparation, so as to save the time of both sides.

The preferred embodiment of the present invention is described in detail above in association with accompanying drawing, but, the present invention is not limited to above-mentioned reality The detail in mode is applied, in range of the technology design of the invention, various letters can be carried out to technical scheme Monotropic type, these simple variants belong to protection scope of the present invention.

It is further to note that each particular technique feature described in above-mentioned specific embodiment, in not lance In the case of shield, can be combined by any suitable means, in order to avoid unnecessary repetition, the present invention to it is various can The combination of energy is no longer separately illustrated.

Additionally, can also be combined between a variety of implementation methods of the invention, as long as it is without prejudice to originally The thought of invention, it should equally be considered as content disclosed in this invention.

Claims (6)

1. a kind of reparation strategy determination method for fender-bender, it is characterised in that described for fender-bender Reparation strategy determination method include:
Step 1, the owner information to accident vehicle is obtained, and confirms the vehicle insurance type that car owner is purchased, the owner information Including car owner's personal information, insure type of vehicle and accident spot;
Step 2, is integrally taken pictures to accident vehicle, and the impaired place of accident vehicle is taken pictures, so that it is determined that the machine The damage condition of motor-car;
Step 3, the physiological health to accident vehicle car owner is detected;
Step 4, the damage situations according to the vehicle insurance type, the physiological health situation of car owner and accident vehicle determine that vehicle insurance is paid for Repay strategy.
2. the reparation strategy determination method for fender-bender according to claim 1, it is characterised in that described It is further comprising the steps of between step 1 and the step 2:Collection obtains the traveling record information of accident vehicle, and to accident The pavement image at scene is obtained, and is needed according to the thing for gathering when vehicle insurance reparation strategy is determined in the step 4 Therefore the traveling record information of vehicle is judged.
3. the reparation strategy determination method for fender-bender according to claim 2, it is characterised in that described It is further comprising the steps of between step 1 and the step 2:Collection obtains the photograph of the confirmation of responsibility book that traffic department makes to accident Piece or copy, in the step 4 determine vehicle insurance reparation strategy when need according to collection the confirmation of responsibility book photo Or the information of copy is judged.
4. the reparation strategy determination method for fender-bender according to claim 1, it is characterised in that the use Also include step 5 in the reparation strategy determination method of fender-bender, the step 5 is the vehicle insurance that will be determined in step 4 Reparation strategy is sent to the car owner of vehicle of insuring.
5. the reparation strategy determination method for fender-bender according to claim 1, it is characterised in that the step Carrying out detection to the physiological health of car owner in rapid 3 includes:Alcohol content detection and fatigue strength detection in vehicle main body.
6. the reparation strategy determination method for fender-bender according to claim 1, it is characterised in that described It is further comprising the steps of between step 2 and the step 3:Damage condition contrast car owner institute according to the vehicle gathered in step 2 Whether the vehicle insurance type of purchase, judge accident vehicle in purchased insurance kind extent of compensation;If in purchased insurance kind extent of compensation, Then perform step 3;Otherwise directly perform step 4.
CN201611195642.7A 2016-12-22 2016-12-22 For the reparation strategy determination method of fender-bender CN106781437A (en)

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CN201611195642.7A CN106781437A (en) 2016-12-22 2016-12-22 For the reparation strategy determination method of fender-bender

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Application Number Priority Date Filing Date Title
CN201611195642.7A CN106781437A (en) 2016-12-22 2016-12-22 For the reparation strategy determination method of fender-bender

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Citations (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20130012166A (en) * 2011-06-12 2013-02-01 (주)스마일스토리 Car insurances estimate service providing method using smart device
CN103500419A (en) * 2013-07-30 2014-01-08 何则安 Labor-free surveying method and system on vehicle insurance accident site
US8799036B1 (en) * 2013-03-10 2014-08-05 State Farm Mutual Automobile Insurance Company Systems and methods for analyzing vehicle operation data to facilitate insurance policy processing
CN105096198A (en) * 2015-09-02 2015-11-25 郁佳敏 Automobile insurance accident remote network survey instrument and remote reporting and surveying method thereof
CN105894384A (en) * 2015-11-11 2016-08-24 乐卡汽车智能科技(北京)有限公司 Vehicle accident claims information obtaining method and device
CN106097103A (en) * 2016-06-01 2016-11-09 深圳市永兴元科技有限公司 Motor vehicles vehicle insurance reparation strategy determines method and apparatus

Patent Citations (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20130012166A (en) * 2011-06-12 2013-02-01 (주)스마일스토리 Car insurances estimate service providing method using smart device
US8799036B1 (en) * 2013-03-10 2014-08-05 State Farm Mutual Automobile Insurance Company Systems and methods for analyzing vehicle operation data to facilitate insurance policy processing
CN103500419A (en) * 2013-07-30 2014-01-08 何则安 Labor-free surveying method and system on vehicle insurance accident site
CN105096198A (en) * 2015-09-02 2015-11-25 郁佳敏 Automobile insurance accident remote network survey instrument and remote reporting and surveying method thereof
CN105894384A (en) * 2015-11-11 2016-08-24 乐卡汽车智能科技(北京)有限公司 Vehicle accident claims information obtaining method and device
CN106097103A (en) * 2016-06-01 2016-11-09 深圳市永兴元科技有限公司 Motor vehicles vehicle insurance reparation strategy determines method and apparatus

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