JP2022152707A - Vehicle repair cost insurance contract operation system - Google Patents

Abstract

To provide a vehicle repair cost insurance contract operation system for a vehicle repair cost insurance that can be contracted independently from a personal or property liability insurance, which is a new vehicle repair cost insurance in which a vehicle value or the amount of insurance independent from the vehicle value and smaller than the vehicle value can be set.SOLUTION: The vehicle repair cost insurance contract operation system determines whether there is a vehicle insurance already subscribed, and in a case where no vehicle insurance has been subscribed, displays, for setting, an insurance fee corresponding to a vehicle value or the amount of insurance independent from the vehicle value and smaller than the vehicle value, in accordance with a desire of a contractor 10, displays, for setting, the amount of insurance in accordance with the displayed insurance fee, and establishes an insurance contract with the insurance fee and the amount of insurance having been set. Then, when an accident occurs, the vehicle repair cost insurance contract operation system accepts an accident report, confirms the insurance contract for a vehicle for which the accident report has been accepted to determine whether the amount of insurance is to be paid, and when it is determined that the amount of insurance is to be paid, performs processing of paying a repair cost.SELECTED DRAWING: Figure 4

Description

TECHNICAL FIELD The present invention relates to a vehicle repair cost insurance contract management system, and in particular, a vehicle repair cost insurance contract management system for new vehicle repair cost insurance that can be contracted separately from liability insurance such as bodily injury liability insurance and property damage insurance. Regarding.

Automobile insurance includes automobile liability insurance (so-called compulsory automobile liability insurance), which is compulsory insurance for all car owners under the Automobile Liability Security Act. There are bodily liability insurance, property liability insurance, passenger accident insurance, vehicle insurance, etc., which are optional insurances that the policyholder voluntarily subscribes to cover.

Among these, there are techniques described in Patent Literatures 1 to 3 regarding the calculation and setting of insurance premiums for vehicle insurance.

Moreover, there are techniques described in Patent Documents 4 and 5 with respect to damage assessment when an accident occurs.

Further, Patent Literature 6 proposes a technique of selecting insurance to be applied to a vehicle from a plurality of insurances.

JP 2003-256655 A JP-A-2006-39642 Japanese Patent Publication No. 2020-530578 JP-A-2003-67578 JP-A-2002-7713 WO2017/168883

However, conventionally, it was not possible to make a contract for vehicle insurance alone without concluding bodily injury liability insurance or the like. Therefore, there is a problem that the discount rate for bodily injury and property damage insurance, etc., changes depending on the accident record of vehicle insurance, and the insurance premium also fluctuates. In the case of , there was a problem that vehicle insurance was difficult to use, such as not using vehicle insurance. In addition, there is also the problem that the insurance amount of vehicle insurance can only be set according to the vehicle value, and the insurance amount cannot be arbitrarily set according to the insurance premium that the policyholder can pay, unlike life insurance. Furthermore, there is also the problem that insurance premiums are determined according to the type of business, distance traveled, usage history of insurance, etc., and cannot reflect the driver's driving behavior such as dangerous driving or safe driving. In addition, there is a problem that damage assessment is complicated and it takes time from investigation and assessment to damage certification, and it is difficult to start repairs and payment of insurance claims is slow.

The present invention has been made to solve the above-mentioned conventional problems, and is a vehicle repair cost insurance that can be contracted separately from bodily injury and property damage insurance, and is independent of the vehicle value or the vehicle value. An object of the present invention is to provide a vehicle repair cost insurance contract operation system for a new vehicle repair cost insurance capable of setting an insurance amount smaller than a price.

The present invention is a vehicle repair cost insurance contract operation system for vehicle repair cost insurance that can be contracted separately from liability insurance, comprising subscription determination means for determining whether or not the vehicle insurance already subscribed, and vehicle insurance. insurance premium display setting means for displaying and setting the insurance premium corresponding to the insurance amount lower than the vehicle value independently of the vehicle value or the vehicle value at the request of the policyholder if the vehicle is not subscribed to an insurance amount display setting means for displaying and setting an insurance amount corresponding to the displayed insurance premium; a contract means for establishing an insurance contract based on the set insurance premium and insurance amount; and an accident report when an accident occurs. accident report receiving means for receiving; liability determination means for determining whether or not an insurance claim is to be paid by confirming an insurance contract for the vehicle for which the accident report has been received; and payment processing means for performing payment processing of the repair cost when it is determined that the above problem is solved.

Here, the payment processing of the repair cost can be performed without carrying out the damage assessment.

In addition, means for detecting driving behavior according to at least one of the connected device attached to the vehicle and the behavior application of the driver, and insurance premium and insurance amount according to the driving behavior detected by the driving behavior detection means and means for changing the relationship of

Further, it is possible to further include credit amount calculation means for calculating, as a credit amount, a repair fee to be collected from the other party of the accident according to the proportion of fault of the party involved in the accident for which the accident report is received.

In addition, if the insurance amount does not reach the vehicle value when it is determined by the subscription determination means that the vehicle insurance has already been subscribed, the insurance amount is within the range of the difference between the vehicle value and the insurance amount of the vehicle insurance that has already been subscribed. Vehicle repair cost insurance can be contracted.

According to the present invention, since it is a vehicle repair cost insurance that can be contracted separately from liability insurance such as bodily injury and property damage insurance, the insurance premium for bodily injury and property damage insurance varies depending on the accident record (repair record of vehicle insurance). There is no In addition, since it is possible to set the insurance amount lower than the vehicle price independently of the vehicle price or the vehicle price, the insurance premium can be controlled according to the budget.

In particular, when payment processing of repair costs is performed without performing damage assessment, repairs can be started without waiting for investigation/assessment or damage assessment, and prompt repairs are possible.

In addition, if the relationship between insurance premiums and insurance amounts can be changed according to driving behavior, it is possible to set appropriate insurance premiums according to driving behavior such as safe driving and dangerous driving. It can encourage people to drive safely.

In addition, if the insurance amount of the vehicle insurance that has already been subscribed does not reach the vehicle value, if it is possible to contract vehicle repair cost insurance within the range of the difference between the vehicle value and the insurance amount of the vehicle insurance that has already been subscribed , the content of compensation can be enhanced.

1 is a block diagram showing the configuration of an embodiment of the present invention; The figure which shows the example of the screen which sets an insurance amount in the said embodiment. 1 is a flow chart showing the processing procedure of an embodiment of the present invention; Similarly, a diagram showing the flow of accident processing Diagram showing the flow of accident processing for conventional automobile insurance contracts Diagram showing the mechanism of damage investigation in the embodiment of the present invention Diagram showing the mechanism of loss investigation for a conventional automobile insurance policy

BEST MODE FOR CARRYING OUT THE INVENTION Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings. In addition, the present invention is not limited by the contents described in the following embodiments and examples. In addition, the configuration requirements in the embodiments and examples described below include those that can be easily assumed by those skilled in the art, those that are substantially the same, and those that fall within the so-called equivalent range. Furthermore, the constituent elements disclosed in the embodiments and examples described below may be combined as appropriate, or may be selected and used as appropriate.

FIG. 1 shows the configuration of an embodiment of the present invention.

In this embodiment, the smartphone or the application 11 installed on the personal computer operated by the contractor 10, the connected device such as the on-vehicle device 22 mounted on the vehicle 20, and the smartphone carried by the driver 24 of the vehicle 20. A behavior application 26 and a behavior reporting application installed in a mobile device, a cloud server 30 connected to the usage application 11, the vehicle-mounted device 22, and the behavior application 26 via a mobile phone line T or the Internet I, and the cloud server 30 and a keyboard 40, a display 42, a printer 44, etc. connected via an interface means 32.

The cloud server 30 is connected via its interface means 32 and the Internet I to a contract database (DB) 200 that records vehicle insurance contracts, a repair shop 300 that repairs accident vehicles, and the like.

A vehicle repair cost insurance contract operation system 100 for new vehicle repair cost insurance that can be contracted separately from liability insurance according to the present invention is composed of a computer provided in the cloud server 30. A subscription determination means 110 for determining the presence or absence of vehicle insurance already subscribed to by a contract DB 200; a subscription determination result storage means 112 for storing the subscription determination result; driving behavior detection means 114 for detecting the driving behavior of the driver 24 based on; driving behavior storage means 116 for storing the detected driving behavior; Accordingly, the insurance premium based on the relationship that changes depending on the driving behavior stored in the driving behavior storage means 116, corresponding to the vehicle value or the insurance amount that is lower than the vehicle value independently of the vehicle value, is provided to the policyholder 10. An insurance premium display setting means 120 for displaying and setting the insurance premium on the display of a smartphone or a personal computer, an insurance premium storage means 122 for storing the set insurance premium, and an insurance amount corresponding to the displayed insurance premium are displayed and set. an insurance amount display setting means 124 for setting the insurance amount; an insurance amount storage means 126 for storing the set insurance amount; a contract means 130 for establishing an insurance contract based on the set insurance premium and the insurance amount; and storing the established insurance contract. , for example, contract storage means 132 for sending to the contract DB 200 via the Internet I; accident report reception means 140 for receiving accident reports from the contractor 10 or the driver 24 when an accident occurs; Check the report storage means 142 and the contract DB 200 for the contract for the vehicle for which the accident report has been received, and determine whether or not there is a valid contract and the insurance premium is paid. liability judgment means 150, liability judgment result storage means 152 for storing the liability judgment result, and when it is judged that the insurance claim is to be paid, the damage assessment is not carried out, for example, to the repair shop 300. payment processing means 160 for performing payment processing of the repair cost, payment amount storage means 162 for storing the amount of the repair cost paid, and completion of insurance payment to the policyholder 10 via, for example, a mobile phone line T or the Internet I Payment completion report means 170 for reporting, payment completion report storage means 172 for storing the payment completion report, and repair costs to be collected from the other party of the accident according to the fault ratio of the party concerned with respect to the accident for which the accident report is received. Receivables amount calculation calculated as receivables amount Means 180 and credit amount storage means 182 for storing the calculated credit amount.

FIG. 2 shows an example of an insurance amount setting screen by the insurance amount display setting means 124 .

In the present invention, unlike the conventional vehicle insurance, regardless of the vehicle price, according to the policy of the policyholder 10 and according to the budget, the insurance amount lower than the vehicle price is set in units of 50,000 yen, for example, 50,000 yen. to 5,000,000 yen. Of course, it is also possible to set the same insurance amount as the vehicle value. FIG. 2 shows that if a monthly payment of 3,000 yen is entered, an insurance amount of 750,000 yen is displayed. For reference, the screen also displays that if the monthly premium is 5,000 yen, the insurance amount will be 1,080,000 yen, and if the monthly premium is 10,000 yen, the insurance amount will be 2,600,000 yen.

Here, safe driving can be encouraged by changing the relationship between the insurance premium and the insurance amount based on the driving behavior of the driver 24 .

On the other hand, in conventional automobile insurance, the vehicle insurance value is calculated according to the vehicle type, grade, and registration year, and it is not allowed to exceed or fall below the value range. For example, in the case of a 2017 model A car, the amount of vehicle insurance that can be set is in the range of 1.9 million to 2.4 million yen, and the insurance premium is 62,000 yen for grade 16, for example. On the other hand, according to the embodiment of the present invention, in the case of vehicles of the same model year, for example, an insurance amount of 750,000 yen can be set according to the policyholder 10's desired insurance premium of 36,000 yen per year.

FIG. 3 shows the processing procedure in the embodiment of the present invention.

If there is a request for a contract, first, in step 1000, the contract DB 200 is queried to determine whether or not there is vehicle insurance already subscribed, and the determination result is stored in the subscription determination result storage means 112. FIG. If the judgment result is negative and the vehicle insurance is not taken out, the process proceeds to step 1100, where the insurance amount is lower than the vehicle value independently of the vehicle value or the vehicle value at the request of the policyholder 10. The corresponding insurance premium (which changes according to the driving behavior) is displayed and set, and stored in the insurance premium storage means 122 .

At this time, the displayed insurance premium may be an amount that reflects the dynamics management result of the vehicle 20 by the connected device such as the vehicle-mounted device 22, and the behavior management result by the behavior application 26 or the business report application from the driver 24. can. As a result, it is possible to actively train excellent drivers by using IoT and online technology for understanding the behavior of vehicles and people.

Next, in step 1150 , the insurance amount corresponding to the displayed insurance premium is displayed on the insurance amount display setting means 124 to be set, and stored in the insurance amount storage means 126 .

An insurance contract is established at step 1200 based on the insurance premium stored in the insurance premium storage means 122 and the insurance amount stored in the insurance amount storage means 126, and is stored in the contract storage means 132 and in the contract DB 200.

When an accident occurs and the accident report 12 (see FIG. 4) is received from the contractor 10 at step 1300, the accident report 12 is accepted at step 1400 and stored in the accident report storage means 142.

Next, in step 1500, it is determined whether there is a valid contract and whether the insurance premium has been paid, that is, whether the insurance company is responsible for payment. Stored in the result storage means 152 . If the determination result is positive, the process proceeds to step 1600, where the repair fee is paid in response to a request from, for example, the repair shop 300 or a maintenance shop, without performing complicated damage assessment, and the paid repair fee is returned to the payment amount. Stored in the storage means 162 . In step 1600, it is also possible to perform a simple damage assessment using only photographs, omitting the actual inspection by an inspector, or a conventional damage assessment.

Next, at step 1700 , a payment completion report is sent to the contractor 10 and stored in the payment completion report storage means 172 .

Next, the process proceeds to step 1800 to determine whether or not the accident is a single accident. If the determination result is negative, the process proceeds to step 1900 to calculate the repair cost to be collected from the other party of the accident according to the fault ratio as the amount of credit and store it in the credit amount storage means 182 .

On the other hand, if the determination result of step 1000 is positive and it is determined that there is already subscribed vehicle insurance, the process proceeds to step 2000 to determine whether the insurance amount of the already subscribed vehicle insurance has reached the vehicle value. It determines whether or not, and stores it in the subscription determination result storage means 112 . If the judgment result is negative, the process proceeds to step 2100 to display and set the insurance premium for the insurance amount within the range of the difference between the vehicle value of the vehicle insurance that has already been subscribed and the insurance amount (changes according to driving behavior). is stored in the insurance premium storage means 122, and the process returns to step 1150.

If the determination result of step 2000 is positive, if the determination results of steps 1300 and 1500 are negative, or if the determination result of step 1800 is positive, the process ends.

FIG. 4 shows the flow of accident processing in the embodiment of the present invention.

When a policyholder 10 who is a customer of vehicle insurance or a driver 24 of a vehicle 20 makes an accident report 12 using, for example, the Internet I or a smartphone application, a 24-hour reception call center (online) 50 receives it, and a cloud server 30 is provided. contact the accident response service center (concentration center) 60.

Then, the accident response service center 60 accepts the accident 14 by the accident report acceptance means 140 of the vehicle repair cost insurance contract operation system 100, then confirms the contract (judgment of responsibility) by the liability determination means 150, and then accepts the initial response. Means 154 performs initial acceptance and accounts for reserves, and then payment processing means 160 performs payment processing (decision・Transfer). Then, the payment completion report means 170 reports to the policyholder 10 the completion of insurance payment.

After payment of the repair cost, the debt amount calculation means 180 calculates the repair cost to be collected from the other party of the accident as the amount of debt in order to collect the debt after payment.

On the other hand, conventionally, as shown in FIG. 5, an agency 18 receives an accident report 12 from a policyholder 10 by telephone, and a sales office 19 retrieves an accident history, insurance claim history, etc. related to the same vehicle from a DB 400 shared by other companies. 24-hour reception call center (manned/online) 52 is contacted via the agency 18 or the web/call system. Then, the 24-hour reception call center 52 and the accident response service centers 62 all over the country jointly receive the accident, confirm the contract (responsibility determination), register the accident (responsibility setting), receive the initial response (record the reserve), start investigation/assessment, Investigation/assessment activities, damage certification, payment processing (decision/transfer), insurance claim payment completion report, and collection of receivables by subrogation after payment. Therefore, it takes a lot of time to assess the damage, and there is a problem that it is difficult to start repairs. In particular, in recent years, due to the shift to ASV (Advanced Safety Vehicle) and the sophistication of automatic driving, the cause of automobile accidents is shifting from people (drivers) to vehicles (industrial products). As a result, the causes of automobile accidents are expected to become more complex. As a result, there was a risk that the process of assessing damage (determining the amount of payment) for conventional automobile insurance would be prolonged. In contrast, according to the present invention, speedy payment (repair) is possible by omitting or significantly reducing the damage assessment process.

FIG. 6 shows the mechanism of damage investigation in the embodiment of the present invention.

After the accident report 12 is received by the accident response service center 60 via the 24-hour reception call center 50, the vehicle repair cost insurance contract operation system 100 receives the contract DB 200, accident DB 230, connected device data information, and information from the action application (smartphone application). In cooperation with the driving DB 240 memorized as driving behavior, processing process management including the processing shown in FIG. Pay insurance claims to 300.

On the other hand, conventionally, as shown in FIG. 7, the investigator receives the damage investigation information 16 that investigated the accident vehicle, cooperates with the law / precedent DB 210 and the DB 400 shared by other companies, and conducts a damage investigation to assess damage and insurance. It took a long time because I was doing a gold calculation.

In the above embodiment, no damage assessment is performed at all, but it is also possible to perform a simple damage assessment using only photographs, omitting the actual inspection by an investigator, or a conventional damage assessment. be.

Also, the driving behavior detection means 114 and the driving DB 240 by the vehicle-mounted device 22 and the behavior application 26 can be omitted, and the relationship between the insurance premium and the insurance amount can be fixed regardless of the driving behavior.

Furthermore, if the accident is not a single accident, the repair cost to be collected from the other party is calculated, but this can be omitted.

Further, even if the vehicle insurance has already been subscribed, it is possible to subscribe to the new vehicle insurance according to the present invention.

Furthermore, the 24-hour reception call center 50 can accept calls other than online, or stop 24-hour reception.

Further, the accident response service center 60 is not limited to one centralized center, but may be provided in multiple locations such as East Japan and West Japan.

Furthermore, the place where the vehicle repair cost insurance contract management system 100 is installed is not limited to the cloud server 30 either.

10 Contractor (customer)
11... Application used 12... Accident report 20... Vehicle 22... In-vehicle device (connected device)
24 Driver 26 Action application 30 Cloud server 50 24-hour reception call center 60 Accident response service center 100 Vehicle repair cost insurance contract operation system 110 Subscription determination means 114 Driving behavior detection means 120 Insurance premium display settings Means 124 Insurance amount display setting means 130 Contract means 140 Accident report receiving means 150 Responsibility determination means 160 Payment processing means 170 Payment completion reporting means 180 Credit amount calculation means 200 Contract DB
230 Accident DB
240 Operation DB
300... Repair shop I... Internet T... Mobile phone line

Also, driving behavior detection means for detecting driving behavior according to at least one of the connected device attached to the vehicle and the driver's behavior application, and insurance premiums according to the driving behavior detected by the driving behavior detection means and a means for changing the relationship between and the insured amount.

Also, driving behavior detection means for detecting driving behavior according to at least one of the connected device attached to the vehicle and the driver's behavior application, and insurance premiums according to the driving behavior detected by the driving behavior detection means and a means for changing the relationship between and the insured amount.

Claims (5)

A vehicle repair cost insurance contract operation system for vehicle repair cost insurance that can be contracted separately from liability insurance,
subscription determination means for determining whether or not the vehicle insurance already subscribed;
To display and set a vehicle price or an insurance premium corresponding to an insurance amount lower than the vehicle price independently of the vehicle price at the request of the policyholder when the vehicle insurance is not subscribed. setting means;
an insurance amount display setting means for displaying and setting an insurance amount corresponding to the displayed insurance premium;
contract means for establishing an insurance contract based on set insurance premiums and insurance amounts;
an accident report receiving means for receiving an accident report when an accident occurs;
liability determination means for checking the insurance contract for the vehicle for which the accident report is received and determining whether or not the vehicle is subject to insurance payment;
payment processing means for performing payment processing for repair costs when it is determined that the insurance claim is to be paid;
A vehicle repair cost insurance contract operation system characterized by comprising: 2. The vehicle repair cost insurance contract operating system according to claim 1, wherein said repair cost payment processing is performed without carrying out damage assessment. a means for detecting driving behavior according to at least one of a connected device attached to the vehicle and a behavior application of the driver;
means for changing the relationship between the insurance premium and the insurance amount according to the driving behavior detected by the driving behavior detection means;
3. The vehicle repair cost insurance contract management system according to claim 1, further comprising: 2. The method according to claim 1, further comprising credit amount calculation means for calculating, as an amount of credit, a repair fee to be collected from the other party of the accident according to the percentage of fault of the party involved in the accident for which the accident report is received. vehicle repair cost insurance policy operation system. If the insurance amount does not reach the vehicle value when it is determined by the subscription determining means that the vehicle insurance has already been subscribed, the vehicle is repaired within the range of the difference between the vehicle value and the insurance amount of the vehicle insurance that has already been subscribed. 2. The vehicle repair cost insurance contract operating system according to claim 1, wherein cost insurance can be contracted.

Images