Research On The Application Of New Technology Of Auto Insurance Claims

In recent years,with the continuous development of China’s economy,people’s consumption level has gradually increased,and vehicles have gradually changed from previous consumables to household daily consumables.As a value-added service,the vehicle insurance service has developed rapidly at a rapid speed and currently accounts for 75% of all the businesses of property insurance companies.It is gradually developing into a key module.In the process of vehicle claim settlement and Surveying,inside,the "fixed loss" step is closely related to the property interests of insurance companies.For a long time,in the traditional vehicle insurance claim settlement system,problems such as complicated process,difficult claim settlement and customer dissatisfaction are often encountered,which are also the pain points and difficulties of insurance services and seriously restrict the development of the insurance industry.In order to simplify the process,realize fast claim settlement and improve customer satisfaction,the mobile video Surveying platform came into being.The platform breaks through the traditional claim settlement mode by applying core technologies such as artificial intelligence and shared platform,focuses on improving the satisfaction of users,conducts demand investigation and case analysis with the network structure of loss determination service and user demand analysis,realizes remote analysis with video and pictures,determines the damage condition and detection condition of vehicles,and then analyzes the damage degree and selects compensation through professionals.This is the new research direction of new technologies in vehicle insurance claim settlement.This article is divided into five parts,which elaborate on the relevant issues of the new technology of vehicle claims.The first part introduces the application of mobile video Surveying platform in the insurance industry.The second part analyzes the necessity and application of mobile video Surveying platform from two aspects of insurance companies and insurance consumers.The third part introduces the current situation of new technologies in China’s vehicle insurance and analyzes the existing problems.The fourth part selects three typical representative countries: the United States,Thailand and Europe,and introduces the application status of advanced new technologies for car insurance claims in the three countries,and summarizes the successful experiences of these three countries in this technology.The fifth part puts forward relevant suggestions to the insurance industry and insurance companies according to the current situation of China’s vehicle insurance.