JP2006004250A - Driver insurance system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a car insurance system that drivers are the objective of compensation, in which insurance premiums can be reasonably determined. <P>SOLUTION: The driver insurance system determines an insurance premium based on a driver's personal attribute data, such as the number of points on the Road Traffic Law, the number of accidents, and the existence of subscription of an arbitral insurance or a life insurance and its amount. <P>COPYRIGHT: (C)2006,JPO&NCIPI

Description

  The present invention relates to a driver insurance system, and more particularly to a driver insurance system that compensates for driver damage.

  A conventional insurance premium determination method and insurance fee system are described in, for example, Japanese Patent Laid-Open No. 2002-259703 (Patent Document 1).

In Patent Document 1, an insurance fee is determined based on driving history information of a car.
JP 2002-259703 A (paragraph number 0016, etc.)

  The conventional automobile insurance system is configured as described above. The insurance coverage focused on the compensation of victims and vehicles, and no consideration was given to drivers. In addition, the determination of the insurance fee is not rational because the driver's daily driving characteristics, mileage, etc. are not taken into consideration, and the ranking is based only on age and vehicle type.

  The present invention has been made paying attention to the above problems, and an object thereof is to provide an insurance system in which a driver is compensated with a reasonable insurance premium.

  The driver insurance system according to the present invention determines an insurance premium that compensates for a driver's damage based on the driver's personal attribute data.

  Since the driver's personal attribute data determines the insurance premium that compensates for the driver's damage, the driver himself / herself is compensated with the insurance premium that the driver is satisfied with.

  Conventionally, only compensation for the victim has been considered, but since the driver who can be the perpetrator is compensated, the perpetrator can operate with peace of mind.

  As a result, it is possible to provide an insurance system in which the driver is compensated with a reasonable insurance premium.

  Preferably, the personal attribute data includes a traffic violation score and a travel history.

  More preferably, the personal attribute data includes the amount of participation in the self-life insurance and the degree of participation in the voluntary insurance.

  More preferably, when a defined insurance premium is paid, an insurance card is issued, and the insurance card is integrated with a driver's license or vehicle verification.

  An embodiment of the present invention will be described below with reference to the drawings. FIG. 1 is a block diagram showing the overall configuration of a driver insurance system according to an embodiment of the present invention.

  Referring to FIG. 1, a driver insurance system 10 includes a terminal 11 through which a driver inputs his / her information, and an insurance company terminal 12 of an insurance company that receives information from the terminal 11 and manages the driver's insurance. And a data center terminal 13 of the data center that holds information for knowing whether or not the content reported by the driver is objectively correct, and includes a terminal 11, an insurance company terminal 12, and a data center terminal 13 Is connected to a network 15 such as the Internet.

  The terminal 11 may be provided in a predetermined insurance center or insurance company that can input driver insurance in a lump, or may be a personal computer held by the driver.

  The insurance company terminal 12 confirms with the data center terminal 13 within a range in which the contents can be confirmed based on information from the driver, which will be described later. It is assumed that the data center has predetermined information described later.

  In FIG. 1, only the insurance company terminal 12 and the data center terminal 13 are shown in order to show the connection relationship with the network 15, but a plurality of these terminals may exist, It is assumed that each server is connected to a server (not shown) and predetermined data is stored in the server.

  In the driver insurance system according to this embodiment, an insurance fee is set according to the driving performance of the driver so far in order to compensate for the damage of the driver. As the driving performance data, at least the traffic violation score in daily driving, the presence or absence of an accident, and the like are taken into consideration. Therefore, when taking out insurance, the driver shall declare the traffic violation score he owns and whether there is an accident.

  FIG. 2 is a flowchart showing the processing contents in the terminal 12 of the insurance company. Referring to FIG. 2, if a driver's name is specified by the driver and there is a driver insurance application (step S11, hereinafter, step is omitted), the insurance company sends the declaration contents to a predetermined data center. The terminal 13 is inquired to confirm whether or not the content of the declaration is correct (S12). As long as the above information is stored, this data center may be an information center of a police station or an arbitrary data center such as an organization that issues an accident certificate, and does not have to be one place.

  If the declaration content is correct, the insurance premium is calculated. At this time, for example, a driver's voluntary insurance or life insurance participation other than the traffic violation score or the presence or absence of an accident may be considered. If these points are taken into consideration, it is confirmed whether or not these insurance premium calculation data are provided by the driver, and if not, the driver replenishes them (S13). This replenishment may be brought directly to the insurance company or may be performed via the network 15.

  If there is an error in the report contents in S12, the driver is notified and a correct report is requested (S14). In this way, the driver submits his / her own data without automatically obtaining the data from the terminal 13 of the data center. This is because it may be reflected in the target calculation.

  In the insurance company, the insurance premium is calculated from the above data at the terminal 12 (S15). The calculation method in this case is arbitrary, but an example thereof will be described later.

  Next, if the insurance fee is paid (S16), insurance is registered (S17). Payment of the insurance premium may be performed on the network 15 using a cash card or the like, or payment to a predetermined financial institution may be requested and confirmed.

  FIG. 3 is a diagram illustrating an example of data of a driver who is an insured person, which is stored in the server of the insurance company and can be browsed via the terminal 12.

  Referring to FIG. 3, driver data includes the number of points owned by the driver under the Road Traffic Law and the presence or absence (or frequency) of an accident, the driver's false report at the time of declaration, etc. It includes whether or not you have voluntary insurance or life insurance, and its amount. In addition to the above, FIG. 3 also includes the maintenance state of the vehicle on which the driver is riding and sensor data.

  Here, the maintenance state of the vehicle refers to data on the travel distance of the vehicle used by the driver and the maintenance state of the vehicle (maintenance information on tires, brakes, etc.). Sensor data is a sensor (not shown) installed on the vehicle that detects the frequency and degree of speeding violations, the frequency of sudden braking, whether the seat belt is worn, whether the signal is ignored, etc.) May be submitted (or transmitted via the network 15).

  These data are replaced with, for example, a five-step evaluation, and points = points + accidents + points at the time of filing + voluntary insurance + life insurance + maintenance status + sensor points are calculated, and insurance premiums are calculated in proportion to this. To do. In this calculation, each item may be given a predetermined weight, or the sum may be given a predetermined weight.

  The insurance fee calculation program is loaded in advance on the hard disk or memory of the computer of the insurance company server or terminal 12, and the CPU performs predetermined processing according to the program, and the result is sent via the memory or hard disk. In addition, the data is output to a printer (not shown) and transmitted to the driver's terminal 11 via the network 15. This transmission may be performed by mail or the like.

  This data may be updated at a predetermined interval, for example, every year.

  Next, one measure for protecting the driver with this driver insurance system will be described. FIG. 4 is a diagram showing an example in which the presence / absence of participation in the driver insurance system is incorporated into a car driving license. As shown in FIG. 4, in this case, a driver's insurance card number 22 is written on the license 20 together with general description items 21.

  FIG. 5 is a block diagram illustrating a configuration of the control unit 50 that is loaded on a vehicle that can be used by a driver, and that reads the vehicle license data. Referring to FIG. 5, the vehicle is provided with a control unit 50, and control unit 50 includes a license reading device 30 and a control device 40 that controls the entire vehicle.

  When the driver drives the automobile, the driver's license 20 is inserted into the license reader 30. The control device 40 reads the insurance number. The control device 40 inquires the number to a predetermined driver insurance management center (specifically, the terminal or the like) (not shown) via a network (not shown). Normally, the insurance fee for the period of validity of the license should be paid, but the inquiry is made because the insurance fee is not paid for some reason or other problems may exist. When there is a reply from the driver insurance management center that the insurance premium has not been paid or that the driver's license is revoked or stopped, the control device 40 controls the vehicle not to be driven.

  The driver insurance management center may be an insurance company or a data center. In this case, the driver insurance management center is inquired of the insurance company terminal 12 or the data center terminal 13 to confirm the payment of the insurance premium.

  The control device 40 is a sensor (not shown) that is provided in the vehicle and detects data such as the speed violation frequency and its degree, the frequency of sudden braking, the presence / absence of wearing a seat belt, signal ignorance, etc. It is also possible to input data from, and from there, information may be transmitted to the insurance company terminal 12 periodically. The insurance company can then use the data to calculate the premium.

  In addition, the driver may be referred to a psychiatrist or lawyer. This service may be performed via the network 15. This cost will be covered by the driver's insurance premium. Then, even if the driver causes an accident, mental support for the perpetrator who is the driver and his / her family can be provided, and the mental burden of the driver who caused the accident can be reduced. This service may be added according to the number of years of insurance coverage for the driver.

  At the time of registration of this insurance, the driver may be allowed to join a special agreement that “the compensation amount of this insurance may be used for victim's relief” on the insurance card. This is preferable because it increases the number of remedies for victims. Further, a privilege such as discounting the insurance premium may be given depending on the degree of the special contract. For example, if you make a special agreement that 100% of the compensation amount may be provided to the victim, the insurance premium will be discounted by 50% and if you make a special agreement that 50% may be provided to the victim, The fee may be discounted by 20%.

  These data are stored in the insurance company server together with other driver insurance data, and are retrieved via the terminal 12 as necessary.

  In the above embodiment, the case where a plurality of items are determined in consideration of the calculation of insurance premiums has been described. However, any of the plurality of items may be targeted. , Age, driving period, etc. may be included.

  In the above embodiment, an example in which an insurance card is incorporated into a driver's license has been described. However, the present invention is not limited to this, and the insurance card may be incorporated into vehicle verification. In this case, insurance cards of a plurality of drivers may be incorporated.

  As mentioned above, although embodiment of this invention was described with reference to drawings, this invention is not limited to the thing of embodiment shown in figure. Various modifications and variations can be made to the illustrated embodiment within the same range or equivalent range as the present invention.

1 is a block diagram showing an overall configuration of a driver insurance system according to an embodiment of the present invention. It is a flowchart which shows the content of the process which the terminal of an insurance company performs in the driver | operator insurance system concerning one embodiment of this invention. It is a figure which shows the data content of the driver | operator who is an insured person in a driver | operator insurance system. It is a figure which shows the license at the time of the insurance system concerning this invention being applied. It is a block diagram which shows the structure of the control part mounted in the motor vehicle.

Explanation of symbols

10 driver insurance system, 11 terminal, 12 insurance company terminal, 13 data center terminal, 15 internet, 30 license reading device, 40 control device, 50 control unit.

Claims (4)

A driver insurance system that compensates for the driver's own damage,
A driver insurance system that determines insurance premiums based on the driver's personal attribute data. The driver insurance system according to claim 1, wherein the personal attribute data includes a traffic violation score and a travel history. 3. The driver insurance system according to claim 1, wherein the personal attribute data includes a self-life insurance subscription amount and a degree of voluntary insurance subscription. 4. When the prescribed insurance premium is paid, an insurance card is issued,
The driver insurance system according to any one of claims 1 to 3, wherein the insurance card is integrated with a license or a vehicle verification.

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