JP6964206B1 - Vehicle repair cost insurance contract operation system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a new vehicle repair cost insurance which can be contracted separately from personal and objective compensation insurance, and an insurance amount smaller than the vehicle price can be set independently of the vehicle price or the vehicle price. Provides a vehicle repair cost insurance contract operation system for cost insurance. SOLUTION: The vehicle repair cost insurance contract operation system determines whether or not there is a vehicle insurance already insured, and if the vehicle insurance is not insured, the vehicle price or the vehicle price is determined according to the request of the policyholder 10. Independently from, the insurance premium corresponding to the insurance amount lower than the vehicle price is displayed and set, the insurance amount corresponding to the displayed insurance premium is displayed and set, and the set insurance premium and insurance amount are set. To conclude an insurance contract. Then, when an accident occurs, the accident report is received, the insurance contract for the vehicle that received the accident report is confirmed, it is determined whether or not the insurance money is paid, and it is determined that the insurance money is paid. If so, the repair fee will be paid. [Selection diagram] FIG. 4

Description

The present invention relates to a vehicle repair cost insurance contract operation system, and in particular, a vehicle repair cost insurance contract operation system for new vehicle repair cost insurance that can be contracted separately from compensation insurance such as personal compensation insurance and objective compensation insurance. Regarding.

In addition to automobile insurance liability insurance (so-called self-insurance insurance), which is compulsory insurance that all car owners are obliged to join under the Automobile Damage Compensation Insurance Law, automobile insurance covers damages that cannot be covered by self-insurance insurance. There are personal insurance, objective insurance, passenger accident insurance, vehicle insurance, etc., which are voluntary insurance that the policyholder voluntarily joins to cover.

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

Further, regarding the damage assessment in the event of an accident, there are techniques described in Patent Documents 4 and 5.

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

Japanese Unexamined Patent Publication No. 2003-256655 Japanese Unexamined Patent Publication No. 2006-39642 Special Table 2020-530578 Japanese Unexamined Patent Publication No. 2003-67578 JP-A-2002-7713 International Publication No. 2017/168883

However, in the past, it was not possible to make a contract for vehicle insurance alone without concluding personal / objective compensation insurance. Therefore, there is a problem that the discount rate of personal / objective compensation 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 it was difficult to use vehicle insurance, such as not using vehicle insurance. Further, the insurance amount of the vehicle insurance can be set only according to the vehicle price, and there is also a problem that the insurance amount according to the insurance premium that the policyholder can bear like life insurance cannot be set arbitrarily. Further, the insurance premium is determined according to the type of industry, mileage, insurance usage record, etc., and there is also a problem that the driving behavior of the driver such as dangerous driving or safe driving cannot be reflected. In addition, there is also a problem that the damage assessment is complicated, it takes time from the investigation / assessment to the damage recognition, the repair cannot be started easily, and the insurance payment 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 personal and objective compensation insurance, and is a vehicle independent of the vehicle price or the vehicle price. The challenge is to provide a vehicle repair cost insurance contract operation system for new vehicle repair cost insurance that can set an insurance amount smaller than the value.

The present invention is a vehicle repair cost insurance contract operation system for vehicle repair cost insurance that can be contracted separately from compensation insurance. Insurance premium display setting means that displays and sets the insurance premium corresponding to the insurance amount lower than the vehicle price independently of the vehicle price or the vehicle price according to the policyholder's request when not subscribed to And, the insurance amount display setting means to display and set the insurance amount according to the displayed insurance premium, the contract means to conclude the insurance contract with the set insurance premium and the insurance amount, and the accident report when an accident occurs. The means for receiving accident reports, the means for determining liability for checking the insurance contract for the vehicle that received the accident report, and the means for determining whether or not the insurance money is paid, and the insurance money payment target. When it is determined, the problem is solved by providing a payment processing means for processing the payment of the repair cost.

Here, the payment processing of the repair cost can be performed without performing a damage assessment.

In addition, the insurance premium is based on the driving behavior detecting means for detecting the driving behavior according to at least one of the connected device attached to the vehicle and the driver's behavior application, and the driving behavior detected by the driving behavior detecting means. And a means to change the relationship between the insurance amount and the insurance amount can be further provided.

Further, it is possible to further provide a claim amount calculation means for calculating the repair cost to be collected from the other party of the accident as the claim amount according to the negligence rate of the parties regarding the accident for which the accident report is received.

In addition, if the insurance amount does not reach the vehicle price when it is determined by the above-mentioned enrollment determination means that the vehicle insurance has already been taken out, the insurance amount is within the difference between the vehicle price and the insurance amount of the already taken out vehicle insurance. Vehicle repair cost insurance can be made available.

According to the present invention, since the vehicle repair cost insurance can be contracted separately from the personal / objective compensation insurance, the insurance premium for the personal / objective compensation insurance varies depending on the accident record (vehicle insurance repair record). There is no. Further, since the insurance amount lower than the vehicle price can be set independently of the vehicle price or the vehicle price, the insurance premium can be controlled according to the budget.

In particular, if the payment processing of the repair cost is performed without performing the damage assessment, the repair can be started without waiting for the investigation / assessment and the damage recognition, and the repair can be carried out promptly.

In addition, if the relationship between the insurance premium and the insurance amount can be changed according to the driving behavior, it is possible to set an appropriate insurance premium according to the driving behavior such as safe driving and dangerous driving, and the driver or contract. It is possible to encourage people to drive safely.

Also, if the insurance amount of the vehicle insurance that you have already subscribed has not reached the vehicle price, and you can contract the vehicle repair cost insurance within the difference between the vehicle price and the insurance amount of the vehicle insurance that you have already subscribed to. , The content of compensation can be enhanced.

Block diagram showing the configuration of the embodiment of the present invention The figure which shows the example of the screen which sets the insurance amount in the said embodiment A flow chart showing a processing procedure according to an embodiment of the present invention. Similarly, a diagram showing the flow of accident processing Diagram showing the flow of accident handling for conventional automobile insurance contracts The figure which shows the mechanism of the damage investigation in embodiment of this invention Diagram showing the mechanism of damage investigation of conventional automobile insurance contracts

Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings. The present invention is not limited to the contents described in the following embodiments and examples. In addition, the constituent 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, that is, those in a so-called equal range. Further, the components disclosed in the embodiments and examples described below may be appropriately combined or appropriately selected and used.

The configuration of the embodiment of the present invention is shown in FIG.

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

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

The vehicle repair cost insurance contract operation system 100 for new vehicle repair cost insurance, which can be contracted separately from the compensation insurance according to the present invention, is composed of a computer provided in the cloud server 30 and is a contractor. The subscription determination means 110 that inquires the contract DB 200 to determine whether or not the vehicle insurance 10 has already subscribed, the subscription determination result storage means 112 that stores the subscription determination result, and the output of the in-vehicle device 22 and the action application 26. The driving behavior detecting means 114 that detects the driving behavior of the driver 24 based on the above, the driving behavior storage means 116 that stores the detected driving behavior, and the contractor 10's request when the vehicle insurance is not taken out. Correspondingly, the policyholder 10 pays the insurance premium based on the relationship that changes depending on the driving behavior stored in the driving behavior storage means 116, which corresponds to the insurance amount lower than the vehicle price independently of the vehicle price or the vehicle price. The insurance premium display setting means 120 for displaying and setting on the display of the smartphone or personal computer, the insurance premium storage means 122 for storing the set insurance premium, and the insurance amount corresponding to the displayed insurance premium are displayed and set. The insurance amount display setting means 124 to be set, the insurance amount storage means 126 to store the set insurance amount, the contract means 130 to conclude the insurance contract with the set premium and the insurance amount, and the established insurance contract are stored. For example, a contract storage means 132 that sends to the contract DB 200 via the Internet I, an accident report receiving means 140 that receives an accident report from the contractor 10 and the driver 24 when an accident occurs, and an accident that stores the received accident report. The report storage means 142 and the contract for the vehicle that received the accident report are confirmed in the contract DB 200, and it is determined whether or not there is a valid contract and the insurance premium is paid. When it is determined that the liability determination means 150, the liability determination result storage means 152 for storing the liability determination result, and the insurance money are to be paid, the repair shop 300, for example, is not assessed for damages. Payment processing means 160 for processing the payment of repair costs, payment amount storage means 162 for storing the amount of repair costs paid, and insurance payment completion to the policyholder 10 via, for example, mobile phone line T or Internet I. Payment completion reporting means 170 for reporting, payment completion report storage means 172 for storing payment completion reports, and repair costs to be collected from the other party of the accident according to the negligence rate of the parties regarding the accident that received the accident report. Calculation of the amount of insurance to be calculated as the amount of insurance The means 180 and the claim amount storage means 182 for storing the calculated claim amount are provided.

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, the insurance amount lower than the vehicle price is, for example, 50,000 yen in units of 50,000 yen, according to the policy of the contractor 10, regardless of the vehicle price. It can be set from to 5 million yen. Of course, it is also possible to set the insurance amount equal to the vehicle price. FIG. 2 shows that when a monthly payment of 3,000 yen is entered, an insurance amount of 750,000 yen is displayed. As a further reference, the screen also shows that if the insurance premium is 5,000 yen per month, the insurance amount will be 1.08 million yen, and if the insurance premium is 10,000 yen per month, the insurance amount will be 2.6 million yen.

Here, safe driving can be promoted 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 the conventional automobile insurance, the vehicle insurance price is calculated according to the vehicle type, grade, and registration year, and it is not allowed to exceed or fall below the price range. For example, in the case of the 2017 model A car, the amount of vehicle insurance that can be set is in the range of 190 to 2.4 million yen, and the insurance premium is 62,000 yen in the case of the 16th grade, for example. On the other hand, according to the embodiment of the present invention, in the case of a vehicle of the same year, for example, an insurance amount of 750,000 yen can be set according to the desired insurance premium of 36,000 yen per year of the policyholder 10.

The processing procedure in the embodiment of the present invention is shown in FIG.

When there is a contract request, first, in the step 1000, the contract DB 200 is inquired, it is determined whether or not the vehicle insurance is already insured, and the determination result is stored in the enrollment determination result storage means 112. If the judgment result is negative and the vehicle is not insured, the process proceeds to step 1100, and the insurance amount is lower than the vehicle price, independent of the vehicle price or the vehicle price, according to the request of the contractor 10. The corresponding insurance premium (changed 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 dynamic management result of the vehicle 20 by the connected device such as the on-board unit 22, and the behavior management result by the action 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 car / human behavior grasping technology.

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

An insurance contract is concluded in 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 recorded in the contract DB 200.

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

Then, in step 1500, it is determined whether or not there is a valid contract and the insurance premium is paid, that is, whether or not the insurance company is liable for payment, and the determination result is determined as liable. The result is stored in the storage means 152. If the judgment result is positive, the process proceeds to step 1600, and the repair cost is paid according to the request from the repair shop 300 or the maintenance shop without performing a complicated damage assessment, and the paid repair cost is paid. It is stored in the storage means 162. In step 1600, for example, it is possible to perform a simple damage assessment using only photographs, which omits the physical investigation by the investigator, or a damage assessment similar to the conventional one.

Next, the process proceeds to step 1700, the payment completion report is sent to the contractor 10, and the payment completion report storage means 172 stores the payment completion report.

Then, 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, the repair cost to be collected from the other party in the accident is calculated as the amount of the claim according to the negligence rate, and the amount is stored in the claim amount storage means 182.

On the other hand, if the judgment result of step 1000 is positive and it is determined that there is a vehicle insurance already insured, the process proceeds to step 2000 and whether the insurance amount of the vehicle insurance already insured has reached the vehicle price. Whether or not it is determined, and stored in the joining determination result storage means 112. If the judgment result is negative, the process proceeds to step 2100, and the insurance premium (changes according to the driving behavior) for the insurance amount within the difference between the vehicle price and the insurance amount of the subscribed vehicle insurance is displayed and set. The insurance premium is stored in the insurance premium storage means 122, and the process returns to step 1150.

If the determination result in step 2000 is positive, if the determination result in steps 1300 and 1500 is negative, and if the determination result in step 1800 is positive, the process ends.

The flow of accident processing in the embodiment of the present invention is shown in FIG.

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

Then, the accident response service center 60 performs the accident reception 14 by the accident report reception means 140 of the vehicle repair cost insurance contract operation system 100, then confirms the contract (responsibility judgment) by the liability determination means 150, and then receives the initial action. The means 154 makes the initial reception and records the reserves, and then the payment processing means 160 handles the payment to the repair shop 300, etc. according to the repair cost request from the repair shop 300 or the maintenance shop without performing a complicated damage assessment (decision).・ Make a transfer). Then, the payment completion reporting means 170 reports the insurance claim payment completion to the policyholder 10.

After paying 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 debt amount in order to collect the debt on a progeny after payment.

On the other hand, conventionally, as shown in FIG. 5, the agency 18 receives the accident report 12 from the contractor 10 by telephone, and the sales base 19 receives the accident history, insurance claim history, etc. related to the same vehicle from the DB400 shared by other companies. The loss information is provided, and the 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 accident reception, contract confirmation (responsibility judgment), accident registration (setting of responsibility), initial reception (capture recording), investigation / assessment start, He was engaged in investigation / assessment activities, damage recognition, payment processing (decision / transfer), loss loss reserve report, and debt collection by subrogation after payment. Therefore, there is a problem that it takes a lot of time to assess the damage and it is difficult to start the repair. In particular, in recent years, due to the shift to ASV (Advanced Safety Vehicle) of automobiles and the sophistication of automatic driving level, the cause of automobile accidents is shifting from people (drivers) to cars (industrial products). As a result, the factors that cause automobile accidents are expected to become complicated. This could prolong the process of assessing damages (fixing payments) for traditional automobile insurance. On the other hand, according to the present invention, quick payment (repair) is possible by omitting or extremely reducing the damage assessment process.

The mechanism of damage investigation in the embodiment of the present invention is shown in FIG.

After the accident report 12 is received by the accident response service center 60 via the call center 50, the vehicle repair cost insurance contract operation system 100 receives the contract DB 200, the accident DB 230, the connected device data information and the information from the action application (smartphone application). In cooperation with the operation DB 240 memorized as the operation behavior, processing process management including the processing shown in FIG. 4, loss reserve management, incoming call management (photo / document), information provision, approval (payment confirmation) are performed, and the repair shop Make 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, and conducts the damage investigation in cooperation with the law / judgment DB210 and the other company's shared DB400 to perform the damage assessment and insurance. It took a long time because I was calculating the money.

In the above embodiment, the damage assessment is not performed at all, but for example, it is possible to perform a simple damage assessment using only photographs, which omits the physical investigation by the investigator, or a damage assessment similar to the conventional one. be.

Further, the relationship between the insurance premium and the insurance amount can be fixed regardless of the driving behavior by omitting the driving behavior detecting means 114 and the driving DB 240 by the on-board unit 22 and the action application 26.

Further, if it 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 taken out, it is possible to take out the new vehicle insurance according to the present invention, but it is also possible to disallow the additional participation in the new vehicle insurance.

Furthermore, the 24-hour reception call center 50 can enable non-online reception or stop the 24-hour reception.

Further, the accident response service center 60 is not limited to one centralized center, and a plurality of accident response service centers 60 may be provided, for example, in eastern Japan and western Japan.

Further, the place where the vehicle repair cost insurance contract operation system 100 is provided is not limited to the cloud server 30.

10 ... Contractor (customer)
11 ... Application used 12 ... Accident report 20 ... Vehicle 22 ... On-board unit (connected device)
24 ... Driver 26 ... Action app 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 setting Means 124 ... Insurance amount display setting means 130 ... Contract means 140 ... Accident report receiving means 150 ... Liability determination means 160 ... Payment processing means 170 ... Payment completion reporting means 180 ... Claim amount calculation means 200 ... Contract DB
230 ... Accident DB
240 ... Operation DB
300 ... Repair shop I ... Internet T ... Mobile phone line

Claims (5)

It is a vehicle repair cost insurance contract operation system for vehicle repair cost insurance that can be contracted separately from compensation insurance.
A means of determining whether or not you already have vehicle insurance,
If you do not have vehicle insurance, the insurance premium display will be set by displaying the insurance premium corresponding to the insurance amount lower than the vehicle price independently of the vehicle price or the vehicle price according to the policyholder's request. Setting means and
Insurance amount display setting means to display and set the insurance amount according to the displayed insurance premium,
Contract means to conclude an insurance contract with the set premium and insurance amount,
Accident report reception means for receiving accident reports when an accident occurs,
A liability determination means for checking the insurance contract for the vehicle that received the accident report and determining whether or not the vehicle is eligible for insurance payment.
When it is determined that the insurance money is to be paid, the payment processing means for processing the repair cost and the payment processing means
Vehicle repair cost insurance contract operation system characterized by being equipped with. The vehicle repair cost insurance contract operation system according to claim 1, wherein the repair cost payment process is performed without performing a damage assessment. A driving behavior detection means that detects driving behavior according to at least one of the connected device attached to the vehicle and the driver's behavior application.
A means for changing the relationship between the insurance premium and the insurance amount according to the driving behavior detected by the driving behavior detecting means, and
The vehicle repair cost insurance contract operation system according to claim 1 or 2, further comprising. The first aspect of claim 1, wherein the claim amount calculation means for calculating the repair cost to be collected from the other party of the accident as the claim amount according to the negligence rate of the parties regarding the accident for which the accident report is received is further provided. Vehicle repair cost insurance contract operation system. If the insurance amount does not reach the vehicle price when it is determined by the above-mentioned enrollment determination means that the vehicle insurance has already been taken out, the vehicle is repaired within the difference between the vehicle price and the insurance amount of the already insured vehicle insurance. The vehicle repair cost insurance contract operation system according to claim 1, wherein the cost insurance can be contracted.

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