JP2009003503A - Method of providing safe driving education and automobile insurance information system using it - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a method of providing safe driving education that can promote the use of safe driving education even before traffic accidents and a system using it. <P>SOLUTION: The system comprises a dangerous-driving management server 10 of an insurance company 1 on a network 50; an information terminal 20 of a contractant 2; an onboard device 30 mounted in the contracted vehicle 3 of the contractant 2 of an automobile insurance; and an education server 40 provided in an education company 4. The dangerous-driving management server 10 includes databases 15 to 18 for storing, respectively, a list of dangerous-driving points determined based on the details of dangerous driving and the attributes of the contractant, dangerous driving information, a list of education courses to be provided, and the education attendance status of the contractant 2; a communication part 11; a dangerous-driving information management part 12 for sending a notification of education attendance to the information terminal 20 of the contractant 2 who is determined to need to take safe driving education according to the dangerous driving information or the like; a safe driving education attendance managing part 13 for charging an insurance premium to the information terminal 20 of the contractant 2 who does not take the education; and an insurance premium calculating part 14 for calculating the insurance premium. <P>COPYRIGHT: (C)2009,JPO&INPIT

Description

  The present invention relates to a method for providing safe driving education in which a safe driving education is given to a car insurance policyholder or insured person (hereinafter simply referred to as a policyholder unless otherwise specified), and a safe driving education is provided. It relates to the automobile insurance information system to be used.

  In various media, traffic accident news is reported daily. Here, in order to prevent traffic accidents, it is important to change the driver's driving consciousness and enhance safe driving education. Safety driving education is currently being implemented in various places such as driving schools, automobile manufacturers, automobile dealers, etc., in addition to those legally required, such as training when renewing a license.

In terms of the relationship between car insurance and safe driving education, for example, there is a known car insurance information system that can be used in car insurance that allows safe driving education when the amount of insurance payments to a policyholder exceeds a certain limit. (For example, refer to Patent Document 1).
JP 2004-199224 A

  However, in the conventional automobile insurance information system described in Patent Document 1, since the attendance of safe driving education is determined from the payment of insurance money, the contractor must attend safe driving education after causing a traffic accident. Therefore, there was a problem in preventing traffic accidents. Also, there are no special penalties even when the contractor does not attend safe driving education, so it was difficult to lead to safe driving education. If traffic accidents can be prevented, both policyholders and insurance companies can benefit.

  In view of the above situation, an object of the present invention is to provide a safe driving education providing method capable of promoting the use of safe driving education by attending even before a traffic accident occurs for a car insurance contractor, and this Provides a car insurance information system that uses

In order to solve the above problems, the present invention provides the following configurations.
The invention according to claim 1 specifies an information terminal of an automobile insurance contractor connected to be communicable with each other via a network, and specifies at least the contents of the dangerous driving and the contracted vehicle attached to the automobile insurance contract vehicle. An in-vehicle device that transmits possible dangerous driving information, an education server that can provide safe driving education via the information terminal of the contractor, and a contract that is the owner of the contracted vehicle that transmitted the dangerous driving information A vehicle insurance information system comprising a dangerous driving management server for notifying a person of attendance of safe driving education via the information terminal, wherein the dangerous driving management server communicates via the network; and A dangerous driving master database storing a list of dangerous driving points determined according to the contents of dangerous driving and the attributes of the contractor, and the vehicle transmitted from the in-vehicle device A dangerous driving information management unit that receives and processes the dangerous driving information via the network, a dangerous driving performance database that stores the dangerous driving information received and processed by the dangerous driving information management unit, and the information terminal An education attendance management database that stores the attendance status of the safe driving education, an education course master database that stores a list of education courses to be attended according to the contents of dangerous driving, and attendance of safe driving education via the information terminal A safe driving education attendance management unit that detects the presence or absence of the vehicle and performs necessary processing, and an insurance premium calculation unit that calculates additional insurance premiums for contractors who do not attend safe driving education via the information terminal And the dangerous driving information management unit includes the dangerous driving information and the attribute within the most recent predetermined period stored in the dangerous driving performance database. The information terminal of the contractor whose total number of dangerous driving points determined according to the standard value exceeds the reference value, should take the safe driving education according to the content of dangerous driving before the deadline specified. Notification of required attendance is notified via the network, and the insurance fee calculation unit calculates when the safe driving education attendance management unit does not attend safe driving education by the specified time limit via the notified information terminal The additional insurance premium is charged through the network.

  According to a second aspect of the present invention, in the car insurance information system according to the first aspect, the in-vehicle device continuously detects or measures a driving state specifying amount that specifies a driving state of the contract vehicle. A dangerous driving detection unit that detects predetermined dangerous driving including sudden start and stop based on the travel state specific amount or an analysis process thereof, and generates dangerous driving information when the dangerous driving is detected; And a data communication unit that transmits the dangerous driving information generated by the dangerous driving detection unit to the dangerous driving management server.

  The invention according to claim 3 includes an information terminal of a car insurance contractor, an in-vehicle device attached to the car insurance contract vehicle and transmitting at least dangerous driving information and dangerous driving information that can identify the contracted vehicle, and a contract A dangerous driving performance database that is connected to an education server capable of providing safe driving education via the information terminal of a person so as to be able to communicate via a network and stores the dangerous driving information transmitted from the in-vehicle device And a dangerous driving management server having a dangerous driving master database storing dangerous driving points determined according to the contents of dangerous driving and the attributes of the contractor, and the contracted vehicle that has transmitted the dangerous driving information is controlled. A method for allowing a contractor who is an owner to attend safe driving education via the information terminal, wherein the dangerous driving record data is stored in the dangerous driving management server. An acquisition step of searching the dangerous driving master database by using the dangerous driving information and the attribute within the latest predetermined period stored in the source as a key to acquire a dangerous driving score for the corresponding contractor, and the acquiring step A calculation step for calculating the total value of the dangerous driving points obtained for each contractor, and whether or not the total value of the dangerous driving points calculated in the calculation step exceeds a predetermined reference value. Judgment step for each applicable contractor, and for each contractor determined in the determination step that the total value of the dangerous driving points exceeds a predetermined reference value, the content of the dangerous driving and the attribute A selection step of selecting an education course for the safe driving education according to the received instruction, an education course code for specifying the education course selected in the selection step, and an acceptance period. A notification step for each corresponding contractor to be transmitted to the information terminal via the network, and the education course code before the due date through the information terminal to which the attendance notification has been transmitted in the transmission step. A detection step for detecting whether or not the designated safe driving education has been taken, and the contractor who is the owner of the information terminal detected that the safe driving education has not been taken by the deadline in the detection step The additional insurance premium is calculated and the additional insurance premium calculated in the calculating step is transmitted to the corresponding information terminal via the network and charged.

  According to the first aspect of the present invention, the information terminal of the car insurance contractor connected to be communicable with each other via the network, and at least the contents of the dangerous driving and the contracted vehicle attached to the car insurance contracted vehicle. In-vehicle equipment that transmits identifiable dangerous driving information, an education server that can provide safe driving education via the contractor's information terminal, and a contractor who is the owner of a contracted vehicle that has transmitted dangerous driving information A vehicle insurance information system comprising a dangerous driving management server for notifying the attendance of safe driving education via an information terminal, the dangerous driving management server communicating with the communication unit via the network, and the contents of the dangerous driving The dangerous driving master database that stores a list of dangerous driving points determined according to the attributes of the contractor and the dangerous driving information transmitted from the in-vehicle device Stores the dangerous driving information management unit that receives and processes it, the dangerous driving performance database that stores dangerous driving information received and processed by the dangerous driving information management unit, and the attendance status of safe driving education via the information terminal The training course management database, the training course master database that stores the list of training courses to be taken according to the contents of dangerous driving, and the presence or absence of safe driving training through the information terminal is detected and necessary processing is performed. A safe driving education attendance management section and an insurance premium calculation section that calculates additional insurance premiums for applicable contractors when there is no attendance of safe driving education via an information terminal, and the dangerous driving information management section Information end of the contractor whose total number of dangerous driving points determined according to the dangerous driving information and attributes within the most recent predetermined period stored in the dangerous driving performance database exceeds the reference value In addition, a notice of attendance requesting participation in safe driving education according to the contents of dangerous driving by the specified deadline is notified via the network, and the safe driving education attendance management department sends it through the notified information terminal When the driver does not attend safe driving education by the specified deadline, additional insurance premiums calculated by the insurance premium calculation department are charged via the network. An automobile insurance information system capable of promoting the use of driving education can be realized.

  According to the invention according to claim 2, in addition to the effect of claim 1, the in-vehicle device includes a running state monitoring unit that continuously detects or measures a running state specifying amount that specifies the running state of the contract vehicle; A dangerous driving detection unit that detects predetermined dangerous driving including sudden start and stop based on a specified amount of running state or an analysis process thereof, and generates dangerous driving information when dangerous driving is detected, and dangerous driving Since the data communication unit that transmits the dangerous driving information generated by the detection unit to the dangerous driving management server is provided, the dangerous driving information can be transmitted to the dangerous driving management server appropriately and in a short time.

  According to the invention of claim 3, an information terminal of a car insurance contractor, an in-vehicle device that is attached to a car insurance contract vehicle and transmits at least dangerous driving information and dangerous driving information that can identify the contracted vehicle, A dangerous driving performance database that is connected to an education server capable of providing safe driving education via a contractor's information terminal so as to be communicable via a network and stores dangerous driving information transmitted from in-vehicle devices, The owner of the contracted vehicle that sent the dangerous driving information by controlling the dangerous driving management server with the dangerous driving master database that stores the dangerous driving points determined according to the contents of the dangerous driving and the attributes of the contractor This method allows a contractor to attend safe driving education via an information terminal. The dangerous driving management server stores the latest information stored in the dangerous driving performance database. Searches the dangerous driving master database using the dangerous driving information and attributes within the period as a key, acquires the dangerous driving points for the corresponding contractor, and the total value of the dangerous driving points acquired in the acquiring step The calculation step for each contractor, the determination step for determining whether the total value of the dangerous driving points calculated in the calculation step exceeds a predetermined reference value for each contractor, and the determination step A selection step for selecting an education course for safe driving education according to the contents and attributes of dangerous driving for each contractor determined that the total number of driving points exceeds a predetermined reference value. Sending a notification of attendance including an education course code for identifying an education course and an attendance deadline for each applicable contractor to the information terminal via the network , A detection step for detecting whether the safe driving education specified by the education course code has been taken by the time limit for attendance through the information terminal to which the attendance notification has been sent in the transmission step, and safety by the detection step by the detection step For the policyholder who is the owner of the information terminal that has been detected that driving education has not been taken, the additional premium is calculated and the additional premium calculated in the calculation step is sent to the relevant information terminal via the network. To provide a safe driving education providing method that can promote the use of safe driving education by attending even before a traffic accident occurs for a car insurance policyholder. be able to.

Hereinafter, embodiments of the present invention will be described with reference to the drawings showing examples.
FIG. 1 is a block diagram schematically showing an embodiment of an automobile insurance information system according to the present invention. As shown in FIG. 1, the car insurance information system 100 includes a dangerous driving management server 10 provided in the insurance company 1, an information terminal 20 of a contractor 2, and a contractor's vehicle (hereinafter referred to as a contract vehicle for car insurance). , Simply referred to as a contract vehicle.) The vehicle-mounted device 30 attached to 3 and the education server 40 provided in the education company 4 are connected via a network 50 so that they can communicate with each other. Here, the educational company 4 is a WBT (Web Based Training) business company that provides educational contents via the network 50.

  It is assumed that the in-vehicle device 30 is attached to the contracted vehicle 3 in the car insurance information system 100 immediately after the contract. FIG. 2 is a block configuration diagram showing a detailed configuration of the in-vehicle device shown in FIG. The in-vehicle device 30 continuously detects or measures an amount (hereinafter, referred to as a travel state specific amount) that specifies the travel state of the vehicle, such as acceleration, deceleration, time from when the brake is depressed until the vehicle stops. A dangerous driving that detects dangerous driving such as sudden start and stop based on a running state monitoring unit 31 that performs a specified amount or analysis of the driving state and generates dangerous driving information when the dangerous driving is detected A detection unit 32; a data communication unit 33 that transmits dangerous driving information to the dangerous driving management server 10 of the insurance company 1 via the network 50 in response to a request from the dangerous driving detecting unit 32 when a dangerous driving is detected; It is constituted by.

  Here, the dangerous driving information includes the date and time of dangerous driving detected in the contracted vehicle 3, the content of dangerous driving (hereinafter referred to as dangerous driving content), and the ID of the in-vehicle device 30 attached to the contracted vehicle ( Hereinafter, it is referred to as an in-vehicle device ID). The dangerous driving content described above may be a dangerous driving code that can specify a predetermined dangerous driving content.

  The dangerous driving management server 10 performs communication of safe driving education according to the communication unit 11 communicating via the network 50, information about dangerous driving (hereinafter referred to as dangerous driving information) received via the communication unit 11, and the like. Hazardous driving information management unit 12 that performs predetermined processing such as judgment of necessity, safe driving education attending management unit 13 that performs necessary processing by monitoring the attendance status of the safe driving education of the contractor, dangerous driving information and An insurance premium calculation unit 14 that calculates an insurance premium according to the accumulation status, and a dangerous driving that stores a list of points determined according to the contents of dangerous driving and the attributes of the contractor (hereinafter referred to as dangerous driving points). A master database 15, a dangerous driving performance database 16 that stores dangerous driving information with dangerous driving points, and a list of educational courses for safe driving education to be taken according to the contents of dangerous driving That includes the courses master database 17, whether the decision be attending safe driving education subscriber 2, the training course management database 18 for storing Instructed status of subscriber 2.

  The number of dangerous driving points is determined based on dangerous driving contents and attributes such as the contractor's sex, age, and address (hereinafter referred to as contractor attributes). Specifically, the probability of occurrence of a traffic accident is statistically calculated according to the dangerous driving content and the contractor attribute, and the probability of occurrence of a traffic accident increases as the score increases. For example, in the case of a sudden start in which the probability of a traffic accident is higher for men under 20 than women in their 30s, 1 point for women in their 30s depending on the probability of occurrence, For men under the age of 20, three points and dangerous driving points are determined. The determined list of dangerous driving points is registered in the dangerous driving master database 15 in association with the dangerous driving code and the contractor attribute.

  The dangerous driving information transmitted to the dangerous driving management server 10 of the insurance company 1 by the dangerous driving information transmitting unit 33 is stored in the dangerous driving performance database 16 of the dangerous driving management server 10 with the number of dangerous driving points attached. Based on the dangerous driving information, the number of dangerous driving points, etc., it is determined whether or not it is necessary for the contractor 2 to take safe driving education. A notification (hereinafter, referred to as additional education attendance notice) is issued to the person 2 asking him / her to attend safe driving education.

  The contractor 2 receives the additional education attendance notification via the information terminal 20 and can attend the safe driving education using the education content provided by the education server 40 on the network 50. If the contractor 2 does not complete the safe driving education by a predetermined time limit, the dangerous driving management server 10 of the insurance company 1 charges the information terminal 20 of the contractor 2 for an additional insurance premium. Yes.

  Hereinafter, the operation of the automobile insurance information system according to the present invention will be described in detail with reference to FIGS. FIG. 3 is a flowchart for explaining procedures after applying for automobile insurance according to the automobile insurance information system of the present invention. First, a person who desires a contract for automobile insurance applies an automatic insurance contract to the insurance company 1 (S101), and the contract is established (S102).

  When the contract is established, the in-vehicle device 30 attached to the contracted vehicle 3 is lent to the contractor 2 by the insurance company 1 (S103), and the in-vehicle device 30 is attached to the contracted vehicle 3 by the contractor 2 (S104). The server 10 transmits an access code to itself to the in-vehicle device 30 and causes the in-vehicle device 30 to set the access code (S105).

  Here, the access code is used when the above-mentioned dangerous driving information is transmitted to the dangerous driving management server 10 when the in-vehicle device 30 detects dangerous driving such as sudden start or sudden stop, and the network address, login ID, It consists of a password. The in-vehicle device ID included in the dangerous driving information is set in the in-vehicle device 30 in advance.

  When the contract is established, in parallel with the steps after step S103 described above, an initial attendance notice (hereinafter referred to as an initial attendance notice) of safe driving education is transmitted to the contractor via the information terminal 20 (S111). In the case of taking a course, a process for taking a safe driving education is performed via the education server 40 (S112), and the contractor can take the course.

  In the present invention, for example, insurance premiums are discounted by the first attendance of this safe driving education. As this initial education, a safe driving education according to the attribute of the contractor 2 is provided. This encourages contractors to be motivated to attend safe driving education. In the present invention, for the second and subsequent classes, for example, an additional insurance premium is collected when the class is not attended.

  Hereinafter, processing performed after the in-vehicle device 30 attached to the contracted vehicle 3 detects dangerous driving such as sudden start and rapid acceleration and transmits dangerous driving information to the insurance company 1 (hereinafter referred to as dangerous driving information response processing). .). FIG. 4 is a flowchart for explaining dangerous driving information response processing performed in the car insurance information system.

  First, the communication unit 11 of the dangerous driving management server 10 of the insurance company 1 receives the dangerous driving information transmitted from the in-vehicle device 30 of the contracted vehicle 3 (S201), and the dangerous driving information management unit 12 receives the dangerous driving code and the contractor. Using the attribute as a key, the dangerous driving master database 15 is searched to acquire the number of dangerous driving points (S202).

  Next, the dangerous driving information management unit 12 of the dangerous driving management server 10 attaches the dangerous driving score to the dangerous driving information and stores it in the dangerous driving record database 16 (S203). By attaching dangerous driving points to dangerous driving information and storing them in the dangerous driving record database 16, it becomes easy to perform a statistical analysis of the probability of occurrence of traffic accidents and a review of the dangerous driving points accompanying it. Thus, the dangerous driving master database 15 can be easily updated.

  Next, the dangerous driving information management unit 12 of the dangerous driving management server 10 refers to the dangerous driving performance database 16 storing the dangerous driving information, and the latest predetermined period transmitted from the in-vehicle device 30 of the contract vehicle 3. The total value M of the dangerous driving points is calculated for the dangerous driving information in the list (S204), and it is determined whether or not the total value M of the dangerous driving points exceeds a reference value for attending safe driving education (S205). . Here, this reference value is determined according to the dangerous driving content and the contractor attribute as well as the number of dangerous driving points, and is a value that is adjusted to keep the probability of a traffic accident within a predetermined value. is there.

  When the total value M of the number of dangerous driving points exceeds the reference value, the dangerous driving information management unit 12 determines that the contractor 2 needs to take a safe driving education and is stored in the dangerous driving performance database 16. The dangerous driving information within the most recent predetermined period is analyzed to grasp the characteristics of the dangerous driving of the contractor 2 and an education course of safe driving education corresponding to the characteristics of the dangerous driving of the contractor 2 is selected (S206).

  Information on the educational course corresponding to the characteristics of the dangerous driving is provided from the educational server 40 of the educational company 4 to the dangerous driving management server 10 of the insurance company 1 and registered in advance in the educational course master database 17 provided in the dangerous driving management server 10. The education course is selected with reference to the database 17. When the above-mentioned education course is updated in the education company 4, predetermined information such as a list and an outline after the update is transmitted from the education server 40 to the dangerous driving management server 10, and the education course master database 17 Is updated.

  When an education course for safe driving education is selected in step S206, the dangerous driving information management unit 12 has a learning deadline, information for specifying an education course (hereinafter referred to as an education course code), etc., and has taken safe driving education. A notification of additional education attendance requesting to be sent is sent by e-mail to the contractor via the communication unit 11 (S207).

  FIG. 5 is a diagram illustrating an example of the description content of the attendance notification for safe driving education via email. (A) relates to the initial education attendance notification, and (b) relates to the additional education attendance notification. As shown in FIG. 5, the e-mail includes a request for attending safe driving education, a time limit for attendance, an education course code, and the like. In addition, a description of contract advantages and disadvantages when not attending may be added. The dangerous driving information management unit 12 sends a warning e-mail to a contractor 2 who has not yet taken the course, that is, a contractor 2 whose additional insurance fee will be collected. It may be possible.

  When the additional education attendance notification is notified to the contractor by e-mail, the total value of the dangerous driving points is calculated separately from the dangerous driving information before the notification for the dangerous driving information generated after the notification. The present invention manages the dangerous driving of the contractor by the number of dangerous driving points except for the predetermined attendance such as the first attendance, etc., and if the total value of the dangerous driving points exceeds the reference value, the safe driving education is given to the contractor. It is intended to be taken.

  In addition, the present invention collects additional insurance premiums for policyholders who do not complete safe driving education by the predetermined time limit as described above. This is because dangerous driving that leads to a traffic accident even if it has not occurred and does not attempt to improve the dangerous driving will increase the probability that a traffic accident will occur.

  FIG. 6 is a flowchart for explaining a safe driving education attendance process in the car insurance information system. First, the additional education attendance notice is received by the information terminal 20 (S301) and can be viewed by the contractor 2. When the contractor 2 who has viewed the additional education attendance notice intends to take the safe driving education by the designated time limit, the user is logged in to the education server 40 of the education company 4 on the Internet 50 via the information terminal 20 (S302). ) Educational content for safe driving education provided from the education server 40 is transmitted and received by the information terminal 20 (S303).

  Here, it is assumed that the login ID and password required for logging in to the education server 40 are notified in advance from the insurance company 1 to the policyholder 2 when an insurance contract is established, and the additional course attendance is taken as an education course code. The code described in the notice is used, and the specified deadline is the one described in this notice.

  When the educational contents are transmitted to the information terminal 20 in step S303, the educational server 40 of the educational company 4 notifies the dangerous driving management server 10 of the insurance company 1 (S304). Here, it is assumed that the safety driving education is designed so that a test regarding the content is performed before the completion of the course. Next, the education server 40 performs the above test on the contractor 2 who is the owner of the information terminal 20 before completing the course (S305).

  Next, the education server 40 determines whether or not the contractor 2 has obtained a passing score in the test performed in step S305 (S306). Repeat the above process until you get a passing score. When it is determined in step S306 that the passing score has been obtained, the education server 40 finishes attending the safe driving education (S307), and notifies the dangerous driving management server 10 of the insurance company 1 (S308). Finally, the notification transmitted in step S308 is received by the dangerous driving management server 10 on the insurance company 1 side, and the safe driving education attendance management unit 13 sets the attendance as the attendance status in the attendance management database 18 for education.

  FIG. 7 is a flowchart for explaining a process for charging additional premiums in the car insurance information system. First, on the insurance company 1 side, the safe driving education attendance management unit 13 of the dangerous driving management server 10 refers to the education attendance management database 18 by batch processing at 0:00 every day, and the previous day is data that identifies all contractors whose attendance is due. (Hereinafter referred to as “subject identification data”) is extracted (S401).

  Next, the safe driving education attendance management unit 13 sequentially determines whether or not the safe driving education has been taken based on the extracted target person specifying data (S402), and for the contractor 2 who has decided to have taken the course. Then, the process ends. On the other hand, for the policyholder 2 determined not to have attended in step S402, the insurance premium calculation unit 14 calculates an additional insurance premium (S403), and bills the additional insurance premium via email via the communication unit 11. (S404).

  The configuration and operation of the embodiment of the automobile insurance information system according to the present invention have been described above in detail. However, it should be noted that such an embodiment is merely an example of the present invention and does not limit the present invention. It will be readily understood that various modifications and changes can be made depending on the specific application without departing from the spirit and spirit of the present invention.

It is a block block diagram which shows typically one Example of the motor vehicle insurance information system by this invention. It is a block block diagram which shows the detailed structure of the vehicle equipment described in FIG. It is a flowchart explaining the procedure after the application of the car insurance concerning the car insurance information system by this invention. It is a flowchart explaining the dangerous driving information response process performed in a car insurance information system. It is a figure which shows an example of the description content of the attendance notice of the safe driving education via e-mail, (a) is related to the initial education attendance notice, and (b) is related to the additional education attendance notice. It is a flowchart explaining the attendance process of the safe driving education in a car insurance information system. It is a flowchart explaining the claim process of the additional insurance premium in a car insurance information system.

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 Insurance company 2 Contractor 3 Contract vehicle 4 Education company 10 Dangerous driving management server 11 Communication part 12 Dangerous driving information management part 13 Safe driving education attendance management part 14 Insurance premium calculation part 15 Dangerous driving master database 16 Dangerous driving performance database 17 Education Course master database 18 Education attendance management database 20 Information terminal 30 In-vehicle device 31 Running state monitoring unit 32 Dangerous driving detection unit 33 Data communication unit 40 Education server 100 Auto insurance information system

Claims (3)

An information terminal of a car insurance contractor connected so as to be communicable with each other via a network, and at least dangerous driving information attached to the car insurance contract vehicle and capable of identifying the contract vehicle are transmitted. An in-vehicle device, an education server capable of providing safe driving education via the information terminal of the contractor, and the contractor who is the owner of the contracted vehicle that transmitted the dangerous driving information via the information terminal A car insurance information system including a dangerous driving management server that notifies attendance of safe driving education,
The dangerous driving management server is
A communication unit that communicates via the network;
A dangerous driving master database that stores a list of dangerous driving points determined according to dangerous driving contents and contractor attributes;
A dangerous driving information management unit that receives and processes the dangerous driving information transmitted from the in-vehicle device via the network; and
A dangerous driving performance database storing the dangerous driving information received and processed by the dangerous driving information management unit;
An education attendance management database for storing the attendance status of the safe driving education via the information terminal;
An educational course master database that stores a list of educational courses to be taken according to the contents of dangerous driving;
A safe driving education attendance management unit that detects the presence or absence of attendance of safe driving education via the information terminal and performs necessary processing;
An insurance premium calculation unit that calculates an additional insurance premium for a contractor who does not attend safe driving education via the information terminal,
The total value of the number of dangerous driving points determined by the dangerous driving information management unit according to the dangerous driving information and the attributes within the most recent predetermined period stored in the dangerous driving performance database exceeds a reference value. The information terminal of the contractor is notified via the network of attendance notice requesting that the attendance of the safe driving education according to the content of dangerous driving is taken by the specified deadline, and the safe driving education attendance management unit The automobile insurance information characterized in that the additional insurance premium calculated by the insurance premium calculation unit is charged via the network when the safety driving education is not taken by the time limit specified via the notified information terminal. system.   The in-vehicle device is a rapid start based on a running state monitoring unit that continuously detects or measures a running state specific amount that specifies the running state of the contract vehicle, and the running state specific amount or an analysis process thereof. A dangerous driving detection unit that detects predetermined dangerous driving including sudden stop and generates dangerous driving information when dangerous driving is detected, and transmits the dangerous driving information generated by the dangerous driving detection unit to the dangerous driving management server The car insurance information system according to claim 1, further comprising a data communication unit. Via the information terminal of the contractor of the car insurance, the in-vehicle device that is attached to the contracted vehicle of the car insurance and transmits the dangerous driving information that can identify at least the contents of the dangerous driving and the contracted vehicle, and the information terminal of the contractor A dangerous driving performance database that is connected to an education server capable of providing safe driving education via a network and that stores the dangerous driving information transmitted from the in-vehicle device, and details and contracts of dangerous driving A dangerous driving management server having a dangerous driving master database that stores the number of dangerous driving points determined according to the attributes of the person, and the contractor who is the owner of the contracted vehicle that has transmitted the dangerous driving information A method for taking safety driving education through an information terminal,
In the dangerous driving management server,
An acquisition step of searching the dangerous driving master database using the dangerous driving information and the attribute within the most recent predetermined period stored in the dangerous driving performance database as a key and acquiring the dangerous driving score for the corresponding contractor;
A calculation step of calculating, for each corresponding contractor, a total value of the dangerous driving points acquired in the acquisition step;
A determination step of determining for each applicable contractor whether or not the total value of the dangerous driving points calculated in the calculation step exceeds a predetermined reference value;
Selection for selecting the education course for safe driving education according to the content of dangerous driving and the attributes for each contractor determined that the total value of the dangerous driving points exceeds a predetermined reference value in the determining step Steps,
A sending step of sending a notice of attendance including an education course code for specifying the education course selected in the selection step and an attendance deadline to the information terminal via the network for each applicable contractor;
A detection step of detecting whether or not the safe driving education designated by the education course code has been taken by the deadline for attendance through the information terminal to which the attendance notification is transmitted in the transmission step;
A step of calculating an additional insurance premium for the contractor who is the owner of the information terminal detected that the safe driving education is not taken by the deadline in the detection step;
Transmitting the additional insurance premium calculated in the calculating step to the corresponding information terminal via the network, and charging the corresponding information terminal.

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