JP2002297908A - Damage compensation method - Google Patents

Abstract

PROBLEM TO BE SOLVED: To relatively inexpensively provide a novel damage compensation method for covering compensation for breakage and theft of a vehicle stored in a parking garage. SOLUTION: An insurer makes an insurance contract with a policyholder (S1). The insurer is assumed to be a group such as an insurance company or a mutual benefit society. The policyholder is assumed to be, for example, a leaseholder of a parking space or an owner of the parking space. An object of insurance is assumed to be a vehicle, and an insurance accident is assumed to a breakage or theft of the vehicle caused in the parking space. Then, the policyholder pays a premium to the insurer (S2). When the insured receives damage by a contracted prescribed insurance accident, the policyholder demands the compensation for the damage to the insurer (S3). By receiving this demand, the insurer determines a compensation amount by a prescribed calculation method, and pays this amount to an insurance money receiver as insurance money.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a method for compensating for damage caused by damage to a vehicle or a parking lot.

[0002]

2. Description of the Related Art In recent years, damage to vehicles and theft inside vehicles have frequently occurred in parking lots and the like where vehicles are stored, and renters and owners of parking lots can seek compensation for these damages. Is strongly desired.

On the other hand, for landowners who provide parking lots,
If the renter of the parking lot becomes a policyholder and obtains compensation for damage to the vehicle that occurred in the parking lot,
This is a great advantage. For example, if a vehicle stored in a parking lot is damaged due to a natural disaster such as a typhoon or an earthquake, the damage amount becomes enormous, and it is difficult to compensate for the entire loss only with the insurance contracted by the landowner. In such a case, the landlord may be required to compensate for the damage by the renter of the parking lot, even if he is not responsible for the damage. If there is not only insurance contracted by the landlord but also insurance contracted by the renter of the parking lot, such risks are reduced, and the landlord who provides the parking lot is a great advantage.

However, heretofore, such insurance has hardly been developed so far.

It is possible to receive a certain amount of compensation for damage to vehicles or theft inside vehicles in a parking lot by a special contract of automobile insurance, but this is based on the contract of automobile insurance for vehicles. In addition, it is possible to receive compensation as a special agreement, and it covers all damage or theft of vehicles that occurred in places other than parking lots, so it is inevitable that insurance premiums will be high, and parking lots Did not fully meet the needs of lessees.

[0006]

SUMMARY OF THE INVENTION The present invention solves the above-mentioned problems of the prior art, and satisfies both the needs of renters of parking lots and the needs of landowners who provide parking lots. Is what you do.

That is, the present invention provides a relatively low cost,
It is an object to provide a new damage compensation method that covers compensation for damage or theft of a vehicle or the like stored in a parking lot.

[0008]

According to the present invention which solves the above-mentioned problems, an insurance system is provided between an insurer and a policyholder, in which a vehicle is insured and a policyholder and a beneficiary are defined. Concluding a contract, the policyholder paying a premium to the insurer, and, if the insured suffers damage from a predetermined insurance accident, the policyholder Claiming compensation, and the insurer
Paying a claim to the beneficiary as compensation for the damage in response to the claim, wherein the insurance accident occurs in a specific area defined by the insurance contract. A damage or theft of the vehicle or a theft of an article in the vehicle occurring in a specific area defined by the insurance contract.

This damage compensation method has a low accident occurrence rate because a damage to a vehicle or the like that occurs in a specific area defined by an insurance contract is regarded as an insurance accident. For this reason, even if the insurance premium is low, the insurance contract can be profitable for the insurer, and the insurance contractor can obtain compensation for the occurrence of an accident at low cost.

In the damage compensation method, the specific area may be a parking space contracted for the vehicle. The parking space refers to a predetermined location in a parking lot allocated for the vehicle, which is contracted for storing the vehicle. Accidents involving vehicles stored in a parking space are low in accident rates because one vehicle is stationary and the other vehicle is not very fast. In many cases, the amount of compensation is small and the compensation amount is also small. Also,
The rate of accidents is relatively low, even if damage to the vehicle body or tires is damaged by others.
The amount of damage is usually small. For this reason, the insurance premium can be further reduced by setting the specific area as a parking space.

If the parking space contracted for the vehicle is a specific area, the policyholder can be a renter of the parking space or an owner of the parking space. By allowing the lessee of the parking space to become a policyholder and receive compensation, the landowner who provides the parking space can avoid the risk in the event of serious damage caused by natural disasters etc. This provides the renter of the parking space with a merit that sufficient security can be obtained at a low cost for vehicles stored in the parking space.

Further, according to the present invention, a step of concluding an insurance contract between the insurer and the policyholder defining the policyholder and the beneficiary of the insurance is provided. Paying a premium, and, if the insured suffers a loss due to a predetermined insurance accident, the policyholder requesting the insurer to compensate for the damage, and the insurer responds to the claim. Paying a claim to a beneficiary as compensation for the damage, wherein the policyholder is a renter of the parking space or an owner of the parking space, and A damage compensation method is provided, wherein the purpose of the contract is the parking space, and the insurance accident specified in the insurance contract is damage to the parking space.

The above-described damage compensation method compensates for damage caused by damage to a parking space. As insurance that includes such compensation, there has been car manager liability insurance in which the landlord providing the parking lot is the contractor, but the lessee of the parking space or the owner of the parking space becomes the contractor. The way in which compensation can be obtained has not been developed so far. The present invention enables a lessee or the like of such a parking space to become a policyholder and receive compensation, and the landowner providing the parking space suffers enormous damage due to a natural disaster or the like. The benefit of being able to avoid the risk in the event of a parking problem is that the lessee at the parking space can be compensated at a low cost if the incidental facilities in the parking space have been damaged due to their negligence. Gives the advantage that you can get.

[0014]

DESCRIPTION OF THE PREFERRED EMBODIMENTS An insurance contract according to the present invention is a contract for setting up an insurance relationship, in which an insurer receives an insurance premium from an insurance policyholder and pays an insurance money when an insurance accident occurs. Refers to a contract that includes

The insurance accident in the present invention refers to the fact that the insurer's obligation to pay an insurance claim is materialized when the accident occurs. In the insurance contract according to the present invention, the following matters may be included as insurance accidents. (i) Damage or theft of a vehicle in a specific area specified by the insurance contract (ii) Theft of goods in the vehicle in a specific area specified by the insurance contract (iii) Damage to parking space

[0016] The specific area may be, for example, a predetermined area defined by a contract, a predetermined address, or a parking space contracted for the vehicle. Of these, when the parking space is a specific area, the insurance cost can be reduced as described above, and the merit of adding the area to the insurance accident increases, which is preferable.

The insurer in the present invention refers to a person who, as a party to an insurance contract, undertakes to pay an insurance money in the event of an insurance accident. The insurer in the present invention includes not only an insurance company but also an organization such as a mutual aid association.

The policyholder in the present invention, as a party to the insurance contract, concludes an insurance contract with the insurer,
A person who is obliged to pay insurance premiums.

The insured person in the present invention means a person who has a right to receive insurance money in the event of an insurance accident as a subject of insured profit. It is normal for the policyholder to be the insured at the same time, but may be another person (an insurance contract for another person).

The insurance beneficiary in the present invention may be the policyholder or another person. FIG.
FIG. 4 is a diagram showing a relationship among a policyholder, an insurer, and a payee. FIG. 2A shows a relationship between the case where the insurance recipient and the policyholder are different, and FIG. 2B shows a relationship between the case where the insurance recipient and the policyholder are the same.

The purpose of insurance in the present invention refers to economic goods that are the object of an insurance accident. In the present invention, a vehicle or a parking space is covered by insurance.

Next, a preferred embodiment of the present invention will be described with reference to FIG.

First, an insurance contract is concluded between the insurer and the insurance contractor (S1). The insurer shall be an organization such as an insurance company or a mutual aid association. The policyholder may be, for example, a tenant of the parking space or an owner of the parking space.

The insurance contract is defined for each of the following items. Insured Beneficiary Insurance purpose Insurance accident

In the present embodiment, the purpose of insurance is a vehicle,
The insured and the beneficiary are the same as the policyholder. Regarding insurance accidents, it is assumed that the policyholder can arbitrarily select from the following items, for example. (A) Damage to a car body in a parking space (b) Damage to a car tire in a parking space (c) Theft in a car in a parking space (d) Damage to a parking space

Next, the policyholder pays an insurance premium to the insurer (S2). The insurance payment method can employ various forms. For example, a one-year contract is a one-time lending method.

When the insured suffers damage due to a contracted insurance accident, the insurance contractor requests the insurer for compensation for the damage (S3).

In response to this request, the insurer determines the amount of compensation by a predetermined calculation method and pays this as insurance money to the insurance payee, that is, the insurance policyholder (S4).

In the above damage compensation method, since the insurance accident is limited to the parking space, the automobile for insurance is stationary, the self-occurrence rate is low, and it is assumed that the vehicle is damaged. However, the amount of compensation can be low. As a result, the policyholder can obtain sufficient compensation with a relatively low insurance amount.

[0030]

As described above, according to the present invention, it is possible to compensate for the damage or theft of a vehicle or the like stored in a parking lot at a relatively low cost.

[Brief description of the drawings]

FIG. 1 is a flowchart illustrating a damage compensation method according to the present invention.

FIG. 2 is a diagram illustrating a relationship between an insurer, a policyholder, and a payee.

[Explanation of symbols]

 S1 Conclusion step of insurance contract S2 Payment step of insurance premium S3 Claim step of damage compensation S4 Payment step of insurance money

Claims (4)

[Claims] Claims 1. A step of concluding an insurance contract between an insurer and a policyholder for the purpose of insurance of a vehicle and defining a policyholder and a beneficiary, wherein the policyholder instructs the insurer. Paying insurance premiums, and in the event that the insured suffers damage due to a predetermined insurance accident, the policyholder invoking the insurer for compensation for the damage; and Correspondingly, paying an insurance beneficiary as an insurance for the damages, wherein the insurance accident occurs in a specific area defined by the insurance contract. Damages or theft, or theft of goods in the vehicle occurring in a specific area defined by the insurance contract. 2. The damage compensation method according to claim 1, wherein the specific area is a parking space contracted for the vehicle. 3. The damage compensation method according to claim 2, wherein the policyholder is a renter of the parking space or an owner of the parking space. 4. A step of concluding an insurance contract between the insurer and the policyholder defining a policyholder and a beneficiary, and a step in which the policyholder pays an insurance premium to the insurer. When the insured suffers a loss due to a predetermined insurance accident, the policyholder claims compensation to the insurer for the damage, and the insurer responds to the claim,
Paying an insurance beneficiary as insurance for the damage, the insurance policyholder being a renter of a parking space or an owner of a parking space, An object is the parking space, and the insurance accident specified by the insurance contract includes damage to the parking space.