TWM601415U - Vehicle damage prevention underwriting claims system - Google Patents

Abstract

This creation is to disclose a vehicle damage prevention underwriting claims system, including: a processor, which performs data calculations for use by the system, and performs system information coordination; a storage device, which receives instructions from the processor, and stores temporarily stored in the system Data; positioning module, which receives instructions from the processor and position information of the vehicle; sensing module, which receives instructions from the processor and sensor information of the vehicle; damage prevention module, which receives instructions from the processor, And using location information and sensor information, when the vehicle has improper driving behavior, prompts to remind the driver, and in the event of a severe collision or accident, the location information and sensor information are automatically captured and stored in the storage device. To further provide relevant monitoring information to insurance companies.

Description

Vehicle damage prevention underwriting claims system

This creation is about an insurance system, especially about an insurance system that can monitor driving conditions at any time, and upload and record driving conditions regularly, to remind users when the vehicle has improper driving behavior, and as a basis for insurance rates. In the event of a vehicle accident or collision, it automatically captures the relevant records at the time of the accident and gives it to the insurance company to provide the vehicle damage prevention underwriting and claims system for related claims services.

As the times evolve, the concept of passing on risks to provide additional protection in the event of an accident has gradually emerged and spread. Everyone who drives knows that in addition to compulsory insurance, passers-by also often insure other types of insurance such as car body insurance, towing insurance, and third party liability insurance.

However, traditional insurance premium calculations are usually based on whether the driver (i.e. vehicle user) has applied for a claim to get out of the insurance in the past. If so, the future premium will be increased due to the risk relationship, and it is impossible to accurately understand the user’s usual driving habits. And if an accident occurs, because there is no real-time record of the vehicle situation at the scene, the insurance company must bear more risks and use indirect evidence to determine the amount of the claim. The more common situation is that the insurance company sends someone to the scene and Drivers need to inform the insurance company and provide relevant Supporting evidence so that insurance companies can smoothly obtain insurance or provide corresponding insurer services.

Therefore, the industry currently urgently needs a system that can automatically record vehicle conditions and driver habits, and remind the driver when improper driving occurs before an accident or collision occurs, and prevent the occurrence of an accident in advance, and if an accident happens unfortunately In the event of a collision, it can automatically provide relevant evidence to the insurance company, and automatically enter the claims service and notify the driver’s relatives in time to provide the driver’s insurance towing service and the assistance of relatives and friends.

In view of the above-mentioned problems of the conventional technology, the purpose of this creation is to provide a vehicle damage prevention underwriting and compensation system to remind users when the vehicle is driving improperly, and as the basis for the insurance rate, and in the event of a vehicle accident Or in the event of a collision, the relevant records at the time of the accident will be automatically captured and given to the insurance company, and related claims settlement services will be provided automatically.

According to one of the purposes of this creation, a vehicle damage prevention underwriting system is proposed. This vehicle damage prevention underwriting claims system includes: a processor, which performs data calculations for use by the system, and performs system information coordination; a storage device, which receives instructions from the processor, and stores the data temporarily stored in the system; Group, receive the instructions of the processor, and receive the location information of the vehicle; the sensing module, receive the instructions of the processor, and receive the sensor information of the vehicle; the damage prevention module, receive the instructions of the processor, and use the location Information and sensor information, when the vehicle has improper driving behavior, prompts to remind the driver, and automatically captures when the vehicle is in a severe collision or accident The location information and sensor information are also stored in the storage device to provide further information to the insurance company; the communication module receives instructions from the processor and communicates with the external system or database.

In the vehicle damage prevention underwriting claims system of this creation, the positioning module may include a GPS positioning module.

In the vehicle damage prevention underwriting claims system of this invention, the sensing module may include a pressure sensor, a gyroscope, an acceleration sensor, a proximity sensor, and a camera lens.

In the vehicle damage prevention underwriting claims system of this creation, the communication module can include Bluetooth communicator, wireless network communicator, mobile network communicator, and mobile network communicator can include 3G, 4G or 5G. Cellular mobile communicator.

In the vehicle damage prevention underwriting claims system of this invention, the system may include: a display module, which receives instructions from the processor, and displays vehicle information or map information to the user.

In the vehicle damage prevention underwriting claims system created by this invention, the damage prevention module can further upload the location information and sensor information to the cloud server for storage using the communication module.

In the vehicle damage prevention underwriting claims system of this creation, improper driving behavior may include failing to maintain a safe distance or safe interval, speeding, changing lanes arbitrarily, driving in reverse or turning without turning on the direction light.

In the vehicle damage prevention underwriting and claims system of this creation, the system can be further connected with the on-board computer diagnostic system to obtain real-time vehicle information from the trip computer.

In this creation of the vehicle damage prevention underwriting and claims system, when the vehicle is in a severe collision or accident, the system can also use the communication module to notify the user’s relatives and insurance company in real time, so that the user can obtain the relative and insurance Company assistance.

Based on the above, the vehicle damage prevention underwriting claims system of this creation may have one or more of the following advantages:

(1) This vehicle damage prevention underwriting and claim settlement system can remind users when the vehicle is driving improperly, and use this as the basis for insurance rates.

(2) This vehicle damage prevention underwriting claims system can automatically retrieve relevant records at the time of the accident and give it to the insurance company in the event of a vehicle accident or collision, and automatically provide related claims services.

10: Vehicle damage prevention underwriting claims system

101: processor

103: storage device

105: positioning module

107: Sensing module

109: Damage Prevention Module

111: Communication module

113: display module

20: On-board computer diagnostic system

30: Cloud server

[Figure 1] is a schematic diagram of the vehicle damage prevention underwriting claims system created by this author.

[Figure 2] is a schematic diagram of the operation of the vehicle damage prevention underwriting claims system created by this author.

Please refer to Figure 1, which is the vehicle damage prevention underwriting system of this creation. In the figure, the vehicle damage prevention underwriting claims system 10 includes a processor 101, which performs data calculation for use by the system 10, and performs information coordination of the system 10; a storage device 103, which receives instructions from the processor 101, and the storage system 10 temporarily stored data; positioning module 105, receiving the processor 101 The sensor module 107, which receives the instruction of the processor 101, and the sensor information of the vehicle; the damage prevention module 109, which receives the instruction of the processor 101, and uses the position information and sensing When the vehicle has improper driving behavior, it will issue a reminder to remind the driver, and in the event of a severe collision or accident, the location information and sensor information will be automatically captured and stored in the storage device 103 to further the information. Provide an insurance company; the communication module 111 receives instructions from the processor 101 and communicates with an external system or database, for example, the on-board computer diagnostic system 20, the cloud server 30, or not shown in the figure Insurance companies and insurance claims systems.

Please continue to refer to FIG. 1, the positioning module 105 can be a GPS positioning module, a mobile phone base station positioning module, or a combination thereof. The sensing module 107 can be an air pressure sensor, a gyroscope, an acceleration sensor, a proximity sensor, and a camera lens. The communication module 111 can be a Bluetooth communicator, a wireless network communicator, a mobile network communicator, and the mobile network communicator can include a 3G, 4G, or 5G cellular mobile communicator. In addition, the improper driving behavior described above may include failing to maintain a safe distance or safe interval, speeding, changing lanes arbitrarily, driving in the opposite direction or turning without turning on the direction lights. The aforementioned processor 101 can be implemented by a general CPU (Central Processing Unit, central processing unit), a microprocessor, an application specific integrated circuit (Application Specific Integrated Circuit, ASIC), etc. The storage device 103 can be implemented in the form of ROM (Read Only Memory), RAM (Random Access Memory, random access memory), static access device, dynamic storage device, etc.

Please refer to Figure 2 and refer to Figure 1 again. Figure 2 is a schematic diagram of the operation of the vehicle damage prevention underwriting claims system of this creation. In the figure, the vehicle damage prevention underwriting claims system 10 can have an advanced driver assistance system (ADAS) to detect the driving conditions of the vehicle, and it can also be connected to the on-board computer diagnostic system 20 to detect the vehicle engine and obtain a driving computer. When waiting for vehicle information, of course, the system 10 can also operate independently when it is not connected to the on-board computer diagnostic system 20. The system 20 can be installed on a rearview mirror or attached to the front windshield, and connected to the vehicle's 12V power supply.

Please continue to refer to FIG. 2 and refer to FIG. 1 again. The system 10 can provide map information, navigation, traffic jam information, destination weather, and other information. Such information will be displayed on the display module 113 in FIG. 1. The system 10 uses the communication module 111, such as a 3/4/5G cellular mobile communicator, to upload driving conditions, such as location information and sensor information, to the cloud server 30 for storage every second. The driving conditions may be urgent. Braking, rapid acceleration, idling time, fuel consumption, mileage, location, failure to maintain a safe interval, failure to maintain a safe distance, no turn signal on turning, speeding, driving images, collision history, etc. When improper driving behavior occurs, such as failing to maintain a safe distance, a safe interval, speeding, changing lanes improperly, driving in a reverse direction, etc., the system 10 will issue voice prompts to remind the driver to pay attention to the vehicle condition; when the system 10 detects improper When driving, you can also use email, phone calls, text messages, etc. to notify the driver's relatives and friends or insurance company to immediately correct the driver's improper vehicle driving behavior and reduce the risk of such behavior. At the end of each specific time period, such as a season or a year, the system 10 will conduct driving behavior analysis, provide insurance company underwriting basis, and calculate UBI car insurance (Usage- Based Insurance's addition and subtraction coefficients are provided to insurance companies to calculate premiums.

Please continue to refer to Figure 2. When a car accident or severe collision occurs, the system 10 will automatically capture the records from 10 seconds before the accident to 20 seconds after the accident and save them on the cloud server 30, and save the records of the system 10 at that time. The driving conditions of the vehicle can be provided to the insurance company to facilitate the integration of data and information to enter the claims AI analysis system to immediately determine the responsibility for the accident and provide claims services. At the same time, the system 10 will also return accident information to the driver’s relatives and friends or the insurance company to remind them to assist the driver. At the same time, the insurance company can also broadcast the call back to the driver to understand the situation of the accident and provide the on-site compensation personnel . Deal with or provide road rescue services.

The above description is only illustrative, and not restrictive. Any equivalent modifications or changes that do not depart from the spirit and scope of this creation should be included in the attached scope of patent application.

10: Vehicle damage prevention underwriting claims system

101: processor

103: storage device

105: positioning module

107: Sensing module

109: Damage Prevention Module

111: Communication module

113: display module

20: On-board computer diagnostic system

30: Cloud server

Claims (10)

A vehicle damage prevention underwriting claims system, comprising: a processor, which performs data calculations for use by the system, and performs information coordination of the system; a storage device, which receives instructions from the processor and stores the temporary information of the system Stored data; positioning module, which receives instructions from the processor, and receives vehicle position information; sensing module, which receives instructions from the processor, and receives vehicle sensor information; damage prevention module, which Receive instructions from the processor, and use the location information and the sensor information to alert the driver when the vehicle has improper driving behavior, and automatically capture the location when the vehicle has a severe collision or accident The information and the sensor information are also stored in the storage device to further provide the information to the insurance company; the communication module receives instructions from the processor and communicates with an external system or database. For example, the vehicle damage prevention underwriting claim settlement system of claim 1, wherein the positioning module further includes a GPS positioning module. For example, the vehicle damage prevention underwriting claims system of claim 1, wherein the sensing module further includes a barometric sensor, a gyroscope, an acceleration sensor, a proximity sensor, and a camera lens. Such as the claim 1 of the vehicle damage prevention underwriting claim system The communication module includes a Bluetooth communicator, a wireless network communicator, and a mobile network communicator. For example, the vehicle damage prevention underwriting system of claim 4, wherein the mobile network communicator includes 3G, 4G or 5G cellular mobile communicators. For example, the vehicle damage prevention underwriting claim settlement system of claim 1, further includes: a display module, which receives instructions from the processor and displays vehicle information or map information to the user. For example, the vehicle damage prevention underwriting claims system of claim 1, wherein the loss prevention module further uses the communication module to upload the location information and the sensor information to a cloud server for storage. For example, the vehicle damage prevention underwriting claims system of claim 1, wherein the improper driving behavior includes failing to maintain a safe distance or safe interval, speeding, changing lanes arbitrarily, driving in reverse or turning without turning on the direction light. For example, the vehicle damage prevention underwriting system of claim 1 is further connected with the on-board computer diagnostic system to obtain real-time vehicle information from the trip computer. For example, the vehicle damage prevention underwriting claims system of claim 1, in which, when the vehicle is in a severe collision or accident, the system can also use the communication module to immediately notify the user’s relatives and insurance company so that the The user obtains the assistance of the relative and the insurance company.

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