CN114037461A

CN114037461A - Insurance fee setting system

Info

Publication number: CN114037461A
Application number: CN202110550809.1A
Authority: CN
Inventors: 西山将弘; 塚岸健司; 兼子贵久
Original assignee: Toyota Motor Corp
Current assignee: Toyota Motor Corp
Priority date: 2020-07-21
Filing date: 2021-05-18
Publication date: 2022-02-11
Also published as: JP2022020918A

Abstract

The present disclosure provides a premium setting system, including: a driving analysis server that is connected with a rear distance sensor attached to the second vehicle through a communication line, and analyzes a driving condition of a driver of the first vehicle as a contract vehicle for automobile insurance based on data detected by the rear distance sensor; and a premium setting server that sets a premium for the car insurance under contract for the driver based on the driving condition of the driver input from the driving analysis server.

Description

Insurance fee setting system

Technical Field

The present invention relates to a vehicle insurance premium setting system, and to a system for setting a vehicle insurance premium signed by a driver based on a driving condition of the driver.

Background

A method of determining a premium for a car insurance based on a driving operation of a driver has been proposed. For example, japanese unexamined patent application publication (translation of PCT application) No. 11-511581 (JP11-511581a) discloses a method of acquiring a driving operation state of a driver based on various sensors mounted in a vehicle, and setting a premium based on the acquired driving operation state by adding an extra fee or reducing the premium.

Further, Japanese unexamined patent application publication No. 2003-281375 (JP 2003-281375A) proposes a method of: receiving driving information of a vehicle driver; predicting a recommended driving response of a driver; alerting the driver of a driving condition that is expected to cause an accident to the driver; and increases the premium if the driver responds poorly to attention and decreases the premium if the driver responds well.

Disclosure of Invention

Incidentally, in the prior art described in JP11-511581a and JP 2003-281375A, since various sensors attached to a vehicle in which a driver is driving are used to evaluate the driving operation mode of the driver, there is a case where the prior art cannot be applied to a vehicle not equipped with various sensors. In addition, for example, when the driver drives the vehicle in a state where a part of the vehicle has failed, the sensor cannot grasp the failure state, and it is difficult to objectively determine whether the driver is driving the vehicle safely.

Therefore, an object of the present invention is to comprehensively and objectively determine whether a driver is driving a vehicle safely and set a premium.

A premium setting system of a vehicle insurance, the premium setting system comprising: a driving analysis server that is connected with a camera or a sensor attached to a vehicle or a facility through a communication line, and analyzes a driving condition of a driver of another vehicle based on one or both of an image taken by the camera and detection data of the sensor, the another vehicle being an automobile-insurance contract vehicle; and a premium setting server which is connected to the driving analysis server through a communication line and sets a premium of the automobile insurance that the driver is under contract based on the driving condition of the driver input from the driving analysis server.

In this way, the driving condition of another vehicle that is a contract vehicle for automobile insurance is detected based on the image taken by the camera attached to the vehicle or facility or based on the detection data of the sensor. Therefore, it is possible to comprehensively and objectively determine whether the driver is driving another vehicle safely. The premiums can be accurately set based on the judgment result of the comprehensive and objective driving condition.

In the premium setting system of the invention, the driving analysis server may analyze the vehicle state of the other vehicle based on the image captured by the camera, and the premium setting server may set the premium of the automobile insurance based on the vehicle state of the other vehicle input from the driving analysis server.

In this way, the vehicle state of another vehicle is confirmed by the camera attached to the vehicle or facility. Therefore, a malfunction or the like of the other vehicle, which cannot be detected by the sensor of the other vehicle, can be detected and applied to set the premium. For example, when it is assumed that the driver is driving the vehicle in a state where the vehicle is broken or damaged, it may be determined that the driver is not driving the vehicle safely, and an increase premium may be set.

In the premium setting system of the invention, the driving analysis server may be connected to the other vehicle through a communication line, and may transmit the analyzed driving condition of the driver of the other vehicle to the other vehicle.

Thus, when the driver of the other vehicle is not driving safely, attention may be given to the driver of the other vehicle to encourage safe driving. Further, it is possible to reduce traffic accidents and suppress the payment of insurance premiums.

In the premium setting system of the invention, the driving analysis server may be connected to the other vehicle through a communication line, and may transmit the analyzed vehicle state of the other vehicle to the other vehicle.

This makes it possible to notify the driver of the other vehicle of the vehicle state of the other vehicle and to remind the driver of the other vehicle of keeping the other vehicle in a state suitable for safe driving. Further, it is possible to reduce traffic accidents and suppress the payment of insurance premiums.

In the premium setting system of the invention, the vehicle may be an automobile that runs ahead of the other vehicle, and the camera may be a rear-view camera attached to the automobile, and the sensor may be a rear distance sensor of the automobile.

This enables the camera of the car in front to determine another vehicle behind and to measure the inter-vehicle distance using the distance sensor. When the rear vehicle is not being safely driven, the driving condition can be accurately acquired and analyzed. The premium of another vehicle can be increased based on the analyzed driving condition.

In the premium setting system of the invention, the camera may be a monitoring camera attached to a facility, and the driving analysis server may analyze the driving condition of the driver of the other vehicle and the vehicle state of the other vehicle based on an image of the monitoring camera and output the analyzed driving condition of the driver of the other vehicle and the analyzed vehicle state of the other vehicle to the premium setting server.

In this way, the driving condition of the driver of the other vehicle and the vehicle state of the other vehicle are analyzed based on the images of the monitoring cameras disposed along the road. Therefore, even when data from the rear-view camera and the sensor of the automobile cannot be acquired, the driving condition of the other vehicle can be analyzed, and the vehicle state of the other vehicle can be detected.

Drawings

Features, advantages and technical and industrial significance of exemplary embodiments of the present invention will be described below with reference to the accompanying drawings, wherein like reference numerals denote like elements, and in which:

fig. 1 is a system diagram showing a configuration of a premium setting system according to an embodiment;

fig. 2 is a diagram showing a data structure of a premium database stored in a memory of a premium setting server; and

fig. 3 is an image captured by a rear view camera of the second vehicle.

Detailed Description

Next, the premium setting system 100 of the automobile insurance of the embodiment will be described with reference to the drawings. As shown in fig. 1, the premium setting system 100 includes a driving analysis server 40 and a premium setting server 50. The driving analysis server 40 is connected with a camera or a sensor attached to a vehicle or a facility through a communication line, and analyzes the driving condition of the driver of another vehicle, which is a contract vehicle for automobile insurance, based on one or both of the image taken by the camera and the detection data of the sensor. Hereinafter, another vehicle that is a contract vehicle for automobile insurance will be referred to as a first vehicle 10, and a vehicle to which a camera or a sensor is attached will be referred to as a second vehicle 20. The first vehicle 10 and the second vehicle 20 are both automobiles that travel on a road.

The first vehicle 10 is an automobile insurance contract vehicle driven by a driver 60 as an insurance contractor. In the front room 15, in which the power unit 14 and the ECU 13 are stored, the first vehicle 10 has a communication device 12, and the communication device 12 is connected to the driving analysis server 40 through a communication line 35. The communication device 12 is a computer internally including a CPU 12a that performs information processing and a memory 12b that stores an operation program and data. Further, the ECU 13 is connected to the communication device 12.

The second vehicle 20 is a vehicle different from the first vehicle 10, runs ahead of the first vehicle 10, and is driven by the driver 62. In the second vehicle 20, a rear-view camera 26 is attached to the upper side of the rear of the vehicle, the rear-view camera 26 taking an image of an area behind the vehicle. Further, a rear distance sensor 27 is attached near the rear bumper, and the rear distance sensor 27 detects the distance between the vehicle and a rear vehicle or a rear obstacle and outputs detection data. The rear-view camera 26 and the rear-distance sensor 27 are both connected to the communication device 22. The communication device 22 is connected to the driving analysis server 40 through a communication line 35. Therefore, the rear-view camera 26 and the rear-distance sensor 27 are connected to the driving analysis server 40 via the communication device 22 and the communication line 35.

The communication device 22 is a computer internally including a CPU 22a that performs information processing and a memory 22b that stores an operation program and data. The communication device 22 stores the image input from the rear-view camera 26 and the distance data input from the rear distance sensor 27 in the memory 22 b. Further, the communication device 22 is installed in the front room 25 of the second vehicle 20 together with the power unit 24 and the ECU23, and the ECU23 is connected to the communication device 22.

The monitoring tower 30 is a tower built along a road, and a monitoring camera 32 that captures an image of a vehicle traveling on the road is attached to an upper portion of the monitoring tower 30. Since the monitoring camera 32 is provided to capture an image of the vehicle traveling toward the monitoring camera 32, an image of the face of the driver and an image of the vehicle can be acquired through the windshield. The surveillance camera 32 may be attached to other facilities or structures, such as pedestrian overpasses or along-the-road buildings, without limitation, to the surveillance tower 30.

The driving analysis server 40 is a computer internally including a CPU 41 as a processor for processing information and a memory 42 storing a program, operation data, image data for image analysis, and the like. The driving analysis server 40 is connected to the communication device 12 of the first vehicle 10, the communication device 22 of the second vehicle 20, and the monitoring camera 32 via the communication line 35. Further, the driving analysis server 40 is connected to the rear-view camera 26 and the rear-distance sensor 27 of the second vehicle 20 via the communication line 35 and the communication device 22.

The driving analysis server 40 analyzes the driving condition of the driver 60 of the first vehicle 10 based on the image from the rear-view camera 26 of the second vehicle 20, the data from the rear-distance sensor 27, or the image from the monitoring camera 32, and outputs the analysis to the premium setting server 50. Further, the driving analysis server 40 analyzes the vehicle state of the first vehicle 10, such as whether the first vehicle 10 is damaged or broken, based on the image captured by the rear-view camera 26 of the second vehicle 20, and outputs the analysis to the premium setting server 50. Further, the driving analysis server 40 transmits the analyzed driving condition of the driver 60 of the first vehicle 10 to the communication device 12 of the first vehicle 10. Further, the driving analysis server 40 transmits the analyzed vehicle state of the first vehicle 10 to the communication device 12 of the first vehicle 10. Further, the driving analysis server 40 analyzes the driving condition of the driver 60 of the first vehicle 10 and the vehicle state of the first vehicle 10 based on the image of the monitoring camera 32, and outputs the analyzed driving condition of the driver 60 of the first vehicle 10 and the analyzed vehicle state of the first vehicle 10 to the premium setting server 50.

The premium setting server 50 is connected to the driving analysis server 40 through a communication line 45. The premium setting server 50 is a computer internally including a CPU 51 as a processor for processing information and a memory 52 storing a program, operation data, a database referred to in calculating a premium, and the like, similarly to the driving analysis server 40. The premium setting server 50 sets the premium of the automobile insurance contracted by the driver 60 based on the driving condition of the driver 60 of the first vehicle 10 input from the driving analysis server 40. Further, the premium setting server 50 sets the premium of the automobile insurance based on the vehicle state of the first vehicle 10 input from the driving analysis server 40. The premium database 55 shown in fig. 2 is stored in the memory 52 of the premium setting server 50.

The premiums database 55 is a database that stores data of an offeror of car insurance (such as name, age, sex, presence or absence of a safe driver ID, presence or absence of accident history, safe driving score at the time of offering, contract vehicle number, contract vehicle type, personal injury compensation amount, property damage compensation amount, and premiums) and face image data of the offeror in association with each other. Here, the contract vehicle number is, for example, the number of the license plate 16 shown in fig. 3. The safe driving score is an index representing a driving safety level of an offeror, which is diagnosed using predetermined driving diagnosis software or a driving diagnosis application while making a contract. In the safe driving score, the full score is 10 points, and a higher score indicates a higher degree of driving safety. The safe driver ID is, for example, a case where no accident or violation has occurred in the past few years as indicated by a gold band on a driver's license.

For example, according to the premium database 55 shown in fig. 2, the contractor AAA is a 36-year-old male with a safe driver ID (indicated as "yes"), a no-accident history (indicated as "no"), and a safe driving score of 9 points, wherein the vehicle number is "12345", the contract vehicle type is "a 123J", the bodily injury compensation amount is unlimited, the property injury compensation amount is 1 billion yen, and the premium is XXX. Further, the contractor BBB has no safe driver ID (indicated as "none"), has an accident history (indicated as "present"), and has a safe driving score of 7. Since the property damage compensation amount is the same as that of the offeror AAA, the premiums of the offeror BBB are higher than those of the offeror AAA.

Next, the operation of the premium setting system 100 configured as above will be described. The second vehicle 20 is traveling on the road. The rear-view camera 26 takes an image of an area behind the second vehicle 20 and inputs the image to the communication device 22. The communication device 22 stores image data from the current time until a predetermined time, which is input from the rear-view camera 26, in the memory 22 b. Further, the communication device 22 measures the distance to the vehicle traveling behind with the rear distance sensor 27, and outputs the measurement data to the communication device 22. The communication device 22 stores distance data from the current time to a predetermined time, which is input from the rear distance sensor 27, in the memory 22 b. Further, the communication device 22 acquires the running speed of the second vehicle 20 from the ECU 23.

When the first vehicle 10 is traveling behind the second vehicle 20, the rear distance sensor 27 detects the inter-vehicle distance between the second vehicle 20 and the first vehicle 10, and outputs the inter-vehicle distance to the communication device 22. When the inter-vehicle distance detected by the rear distance sensor 27 becomes substantially constant, the communication device 22 transmits the image 29 shown in fig. 3 and captured by the rear-view camera 26, the inter-vehicle distance data, and the traveling speed data of the second vehicle 20 to the driving analysis server 40. As shown in fig. 3, the image 29 is an image of the first vehicle 10 taken from the front, and includes an image of the license plate 16 of the first vehicle 10 and an image of the driver 60 of the first vehicle 10.

Based on the traveling speed data and the inter-vehicle distance data transmitted from the communication device 22, the driving analysis server 40 determines whether the first vehicle 10 is traveling while maintaining a sufficient inter-vehicle distance with respect to the speed. For example, if the inter-vehicle distance is about 80 to 100m while traveling at 80km/h, the driving analysis server 40 determines that the first vehicle 10 is safely traveling while maintaining an appropriate inter-vehicle distance, and transmits the image data of the image 29 captured by the rear view camera 26 to the premium setting server 50 along with the safe driving signal.

The premium setting server 50 extracts the number and symbol of the license plate 16 from the data of the image 29 input from the driving analysis server 40, and searches whether there is a corresponding contract vehicle number stored in the premium database 55. Then, when the numbers and symbols of the license plate 16 match the contract vehicle numbers stored in the premiums database 55, the first vehicle 10 is determined as a vehicle under the vehicle insurance contract. In this case, the premium setting server 50 extracts an image of the face of the driver 60 from the image 29, and analyzes whether the image matches the face image data stored in association with the contract vehicle number described above using a method such as pattern matching. Then, when the face image extracted from the image 29 and the face image stored in the premiums database 55 match, it is determined that the person driving the first vehicle 10 is the offeror AAA.

Next, the premium setting server 50 reduces the premium based on the safe driving signal input from the driving analysis server 40. For example, the premium setting server 50 calculates the premium on the assumption that the safe driving score is increased by only 0.1 point. Then, the premium setting server 50 reduces the premium by only the difference between the premium calculated at the next premium collection and the current premium, and collects the fee to the offeror AAA.

In contrast, when the second vehicle 20 travels at a speed of 80km/h and the inter-vehicle distance between the second vehicle 20 and the first vehicle 10 is about 10m, the driving analysis server 40 determines that the first vehicle 10 is not traveling safely, and transmits the image data of the image 29 captured by the rear view camera 26 to the premium setting server 50 together with the driving attention signal.

When the premium setting server 50 determines that the first vehicle 10 is an insurance contract vehicle and the driver is the offeror AAA in the same manner as described above, the premium setting server 50 increases the premium based on the driving attention signal input from the driving analysis server 40. For example, the premium setting server 50 calculates the premium on the assumption that the safe driving score is reduced by only 0.5 point. Then, the premium setting server 50 charges the premium by adding only the difference between the premium calculated at the next premium charging and the current premium to the premium.

Further, the driving analysis server 40 analyzes the image 29 input from the rear view camera 26 attached to the second vehicle 20, and as shown in fig. 3, when the front lights 18 of the first vehicle 10 are not turned on due to a failure or when the dent of the bumper 17 is not repaired, the driving analysis server 40 determines that the vehicle state of the first vehicle 10 is not suitable for safe driving, and outputs a vehicle state failure signal to the insurance fee setting server 50. The vehicle state fault signal includes fault level data indicating a level of the fault. When the vehicle state failure signal is input from the driving analysis server 40, the premium setting server 50 increases the premium based on the defect degree data included in the vehicle state failure signal.

Further, when the premium setting server 50 receives the driving attention signal from the driving analysis server 40, the premium setting server 50 transmits the vehicle number of the first vehicle 10 to the driving analysis server 40. When the driving analysis server 40 receives the vehicle number data from the premium setting server 50, the driving analysis server 40 determines the first vehicle 10, and transmits data of the vehicle speed of the second vehicle 20, the inter-vehicle distance between the first vehicle 10 and the second vehicle 20 to the communication device 12 of the first vehicle 10. This data is displayed on a display of the car navigation system of the first vehicle 10, or the like, and alerts the driver 60 who is driving the first vehicle 10 that the current driving conditions are unsafe and that the driver should drive safely.

Thereafter, the communication device 22 of the second vehicle 20 transmits the inter-vehicle distance data measured by the rear distance sensor 27, the vehicle speed data acquired from the ECU23, and the image 29 shown in fig. 3 and captured by the rear-view camera 26 to the driving analysis server 40.

If the driving is not improved, the driving analysis server 40 transmits the driving attention signal to the premium setting server 50 again. Then, the premium setting server 50 further increases the premium.

In the above description, when the inter-vehicle distance detected by the rear distance sensor 27 becomes substantially constant, the communication device 22 transmits the image 29 shown in fig. 3 and captured by the rear-view camera 26, the inter-vehicle distance data, and the traveling speed data of the second vehicle 20 to the driving analysis server 40. However, the communication device 22 is not limited thereto. For example, when the inter-vehicle distance detected by the rear distance sensor 27 becomes equal to or less than a predetermined distance, the communication device 22 may capture an image with the rear-view camera 26 and transmit the inter-vehicle distance data and the traveling speed data of the second vehicle 20 to the driving analysis server 40. Here, the predetermined distance may be, for example, a distance in meters of a numerical portion of km/h of the vehicle speed input from the ECU 23. For example, when the vehicle speed is 60km/h, the predetermined distance is 60 m. When the inter-vehicle distance becomes 60m or less, the driving analysis server 40 determines that the first vehicle 10 is not being safely driven, and outputs a driving attention signal to the premium setting server 50.

Further, when the degree of reduction of the inter-vehicle distance detected by the rear distance sensor 27 is larger than a predetermined value, the communication device 22 may capture an image with the rear-view camera 26, and the inter-vehicle distance data and the traveling speed data of the second vehicle 20 may be transmitted to the driving analysis server 40. As described above, when the degree of reduction in the inter-vehicle distance is large, there is a possibility that the first vehicle 10 traveling behind the vehicle is approaching and performing unsafe driving, such as tailgating. In this case, the driving analysis server 40 determines that the first vehicle 10 is not being safely driven, and outputs a driving attention signal to the premium setting server 50.

For example, when a state in which the inter-vehicle distance detected by the rear distance sensor 27 is equal to or greater than a predetermined distance continues for a predetermined period of time, the communication device 22 may capture an image with the rear-view camera 26 and transmit the inter-vehicle distance data and the traveling speed data of the second vehicle 20 to the driving analysis server 40. In this case, the driving analysis server 40 determines that the first vehicle 10 is being safely driven, and outputs a safe driving signal to the premium setting server 50.

In the above description, the driving analysis server 40 is described as analyzing the driving condition of the driver 60 of the first vehicle 10 based on the inter-vehicle distance data detected by the rear distance sensor 27 attached to the second vehicle 20. However, the driving analysis server 40 is not limited thereto, and may analyze the driving condition of the driver 60 based on the image captured by the rear-view camera 26 attached to the second vehicle 20.

For example, the rear view camera 26 may capture an image of an area behind the second vehicle 20 to include a structure, such as a pillar of a rail, etc., installed at equal intervals between the first vehicle 10 and the second vehicle 20 traveling behind the second vehicle 20. The driving analysis server 40 may calculate the inter-vehicle distance based on the interval and the number of structures included in the photographed image and determine the driving condition of the driver 60 of the first vehicle 10.

Further, the driving analysis server 40 may detect the yaw of the first vehicle 10 being photographed based on the moving image photographed by the rear-view camera 26. If there is no sway, the driving analysis server 40 may determine that the driver 60 of the first vehicle 10 is driving safely and output a safe driving signal to the premium setting server 50. If there is a large degree of sway, the driving analysis server 40 may output a driving attention signal to the premium setting server 50.

At this time, when there is no yaw and the inter-vehicle distance data detected by the rear distance sensor 27 attached to the second vehicle 20 is a distance suitable for safe driving, the driving analysis server 40 may output a safe driving signal to the premium setting server 50. When the degree of yaw is large or the inter-vehicle distance is not a distance suitable for safe driving, the driving analysis server 40 may output a driving attention signal to the premium setting server 50.

Further, the determination of the first vehicle 10 has been described as being made by the premium setting server 50 based on the image of the license plate 16 in the image of the rear-view camera 26 attached to the second vehicle 20. However, the determination of the first vehicle 10 is not limited thereto. For example, the driving analysis server 40 has a registered vehicle database in which vehicles for analyzing the driving conditions are registered, the first vehicle 10 is registered in the registered vehicle database, and the driving analysis server 40 may communicate with the communication device 12 installed on the first vehicle 10. In this case, the driving analysis server 40 determines the first vehicle 10 by communicating with the communication device 12 of the first vehicle 10. Then, the driving analysis server 40 may output the determined vehicle number of the first vehicle 10 to the premium setting server 50, and the premium setting server 50 may determine whether the first vehicle 10 is a contract vehicle for automobile insurance with reference to the premium database 55 shown in fig. 2.

Further, when the driving analysis server 40 determines that the vehicle state of the first vehicle 10 is not suitable for safe driving based on the image of the rear view camera 26 attached to the second vehicle 20, the driving analysis server 40 may transmit text data indicating a damaged portion together with the data of the image 29 of the first vehicle 10, and the driving analysis server 40 may prompt the driver 60 of the first vehicle 10 to pay attention to placing the first vehicle 10 in a state suitable for safe driving.

Further, the driving analysis server 40 may acquire images from the monitoring camera 32 mounted on the monitoring tower 30, analyze the images acquired from the monitoring camera 32 to detect the inter-vehicle distance between the first vehicle 10 and the second vehicle 20 and the vehicle state of the first vehicle 10, to analyze the driving condition of the driver 60 of the first vehicle 10 and the vehicle state of the first vehicle 10, and output the analyzed driving condition of the driver 60 of the first vehicle 10 and the analyzed vehicle state of the first vehicle 10 to the premiums setting server 50.

In this case, the driving analysis server 40 may calculate the inter-vehicle distance based on the images of the first vehicle 10 and the second vehicle 20 simultaneously captured by the monitoring camera 32, or the monitoring camera 32 may capture two photographs of the first vehicle 10 in a short time, and the driving analysis server 40 may calculate the vehicle speed of the first vehicle 10 from the moving distance of the first vehicle 10. Further, since the monitoring camera 32 can photograph the first vehicle 10 from the front of the first vehicle 10, the vehicle state analysis of whether the first vehicle 10 is faulty or broken can be performed based on the image photographed by the monitoring camera 32. Further, the driving analysis server 40 may acquire an image including an image of the license plate 16 and a facial image of the driver 60 from the surveillance camera 32, as shown in an image 29 of fig. 3, and may determine the first vehicle 10 and the driver 60 with the premium setting server 50 by transmitting the images to the premium setting server 50.

As described above, the premiums setting system 100 of the embodiment detects the driving condition of the first vehicle 10 based on the image taken by the rear-view camera 26 attached to the second vehicle 20 different from the first vehicle 10 (i.e., the contract vehicle for automobile insurance), the inter-vehicle distance detected by the rear distance sensor 27, and the like. Therefore, it is possible to comprehensively and objectively determine whether the driver 60 is safely driving the first vehicle 10. The premiums can be accurately set based on such comprehensive and objective judgment of the driving conditions.

Further, since the premium setting system 100 of the embodiment confirms the vehicle state of the first vehicle 10 with the rear-view camera 26 attached to the second vehicle 20, a malfunction of the first vehicle 10 or the like that cannot be detected by the sensor of the first vehicle 10 can be detected, and the detected malfunction can be used to set the premium. For example, when the driver 60 is driving the first vehicle 10 while a part of the first vehicle 10 is malfunctioning, the premiums setting system 100 of the embodiment may determine that the driver 60 is not safely driving the first vehicle 10, and set to increase the premiums.

Further, since the premium setting system 100 of the embodiment transmits the analyzed driving condition of the driver 60 of the first vehicle 10 to the first vehicle 10, it is possible to alert the driver 60 who is driving the first vehicle 10 to the unsafe driving condition and that the driver 60 should drive safely. Therefore, it is possible to reduce traffic accidents and suppress insurance payment.

Further, since the premium setting system 100 of the embodiment transmits the vehicle state of the first vehicle 10 to the first vehicle 10, it is possible to remind the driver 60 of the first vehicle 10 to pay attention to putting the first vehicle 10 in a state suitable for safe driving. Therefore, it is possible to reduce traffic accidents and suppress insurance payment.

Further, the premiums setting system 100 of the embodiment detects the inter-vehicle distance between the first vehicle 10 and the second vehicle 20 using the monitoring camera 32 attached to the monitoring tower 30 provided along the road, and analyzes the vehicle state of the first vehicle 10. Therefore, even when the data from the rear-view camera 26 and the rear-distance sensor 27 of the second vehicle 20 cannot be acquired, the driving condition and the vehicle state of the first vehicle 10 can be analyzed, and the premium can be reduced or increased.

Claims

1. A premium setting system for an automobile insurance, the premium setting system comprising:

a driving analysis server which is connected with a camera or a sensor attached to a vehicle or a facility through a communication line and analyzes a driving condition of a driver of another vehicle based on one or both of an image taken by the camera and detection data of the sensor, the another vehicle being a contract vehicle for the automobile insurance; and

and a premium setting server which is connected to the driving analysis server through a communication line and sets a premium of the automobile insurance that the driver is under contract based on the driving condition of the driver input from the driving analysis server.

2. The premium setting system according to claim 1, wherein:

the driving analysis server analyzing a vehicle state of the other vehicle based on the image taken by the camera; and is

The premium setting server sets the premium for the automobile insurance based on the vehicle state of the other vehicle input from the driving analysis server.

3. The premium setting system according to claim 1, wherein the driving analysis server is connected to the other vehicle through a communication line, and transmits the analyzed driving condition of the driver of the other vehicle to the other vehicle.

4. The premium setting system according to claim 2, wherein the driving analysis server is connected to the other vehicle through a communication line, and transmits the analyzed vehicle state of the other vehicle to the other vehicle.

5. The premium setting system according to any one of claims 1 to 4, wherein:

the vehicle is an automobile that runs ahead of the other vehicle; and is

The camera is a rear view camera attached to the automobile and the sensor is a rear distance sensor of the automobile.

6. The premium setting system according to any one of claims 1 to 4, wherein:

the camera is a surveillance camera attached to the facility; and is

The driving analysis server analyzes the driving condition of the driver of the other vehicle and the vehicle state of the other vehicle based on the image of the monitoring camera, and outputs the analyzed driving condition of the driver of the other vehicle and the analyzed vehicle state of the other vehicle to the premium setting server.