JP2003178191A - Safe driving preferential insurance - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a method for comparatively reducing an automobile insurance fee of a person driving slowly for safety. <P>SOLUTION: An insurance contract incorporating a travel distance to be covered by an insurance is set along with an insurance fee, and a system is provided with subtracting an actual travel distance from the contract travel distance every time the person actually drives. In the system, comparatively more travel distance is subtracted when driving at high speed than when driving at low speed. As technical means for the system, a used amount (fee) subtracting card system is provided using a on-vehicle card reader automatically subtracting the actual travel distance from a card like a telephone card inputted with the contract travel distance, and a communication line system is provided using a communication line, transmitting information of a vehicle side such as an actual traveling speed to an information processing system of an insurance company and carrying out subtraction in the system. <P>COPYRIGHT: (C)2003,JPO

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention is a technical field in which information such as the operating speed is transmitted and realized by a card system or a communication line so that the actual operating speed is reflected in insurance premiums.

[0002]

2. Description of the Related Art In conventional automobile insurance, both those who drive at high speed and those who drive at a safe driving speed while keeping their speed in mind have the same probability of an accident if they contract under the same conditions for the same period. Even though they are different, they have to pay the same amount as insurance premiums.

[0003]

[Problems to be Solved by the Invention] In order to solve this absurdity, in calculating and determining insurance premiums, it is better to drive safely at low speeds rather than dangerous high speeds. In order to provide society with rational automobile insurance that incorporates the degree of accidents related to speed, the "fairness principle" is the basic principle of insurance premiums.
Is to be more thorough.

[0004]

There are two methods to achieve the above object. One is to insert a card issued by an insurance company with a fixed contract mileage into a card reader equipped with a function to measure the actual mileage, and How to subtract from the mileage. The other is that the actual mileage is measured and the information is transmitted from the communication terminal device installed in the car, which can transmit the information to the information processing computer of the insurance company, and the mileage is built into the computer of the insurance company. This is a method of subtracting from the contract mileage. In addition, in the subtraction of both the front and the latter, in the case of high-speed driving, it should be subtracted by the numerical value that is calculated and counted so that it becomes a larger value than the actual mileage with a constant calculation formula than that of low There is.

[0005]

BEST MODE FOR CARRYING OUT THE INVENTION a) Usage amount subtraction card method-First, the insurer and the insured conclude an insurance contract, but the difference from the conventional insurance is that the insurance is actually covered within the insurance period. It is an insurance accident within the specified contract mileage. (Risks during parking / stopping within the insurance period are decided by a special agreement) ・ If this contract mileage is 10,000 km / year, the insurance company issues a card with this distance and the insured side such as the driver Insert this card into the card reader installed in the car before driving. This card reader measures the actual distance traveled by the car and at the same time subtracts that distance from the first number built into the card, ie 10,000 km, each time the phone card travels, as it travels. It can be subtracted as is.・ Furthermore, this reader is designed so that when it is operated at high speed, it subtracts a large amount of distance by a certain calculation method from that at low speed. For example 40
Up to a speed of km / h, 40km per hour is subtracted, but when driving at a speed of 40-50km / h, 40x110% is 44km, and 50-60km is 40x120% is 48km. . -The 110% and 120% are tentative, and are determined by a certain calculation formula in accordance with the "law of the large number" that the insurance company considers the probability of an accident, etc. As a result, if the traveling speed is 40 km / h or less, which is relatively safe, the distance will be subtracted from the distance as it is, but in high-speed driving, the distance beyond the actual traveling distance will be subtracted. Since the built-in 10,000 km is used up, the insurance premium for the driver is high and the effect of suppressing speed driving works.・ If you run out of cards, you will have to purchase a second card again. In the case of this card method, if you use this card to issue to the individual driver, the insurance premium will be charged to each driver. However, if one family uses one car, it is necessary to put it in the insured name even if most people with high insurance premiums do not use the car. It is possible to ameliorate the absurdity that the fee is high. Further, if this card is provided with a credit company to have both car insurance and credit functions, the insurance company can entrust the credit card collection work to this credit card, which helps streamline the business. b) In case of communication line method ・ First, in the insurance contract, as in the above-mentioned card method, the contract mileage covered by the insurance is determined within the insurance period. If the contract mileage is 10,000 km / year, the condition of 10,000 km is input to the information processing computer installed in the insurance company as part of the insurance contract.・ Actually, the person insured by this insurance starts driving.
The actual driving distance is transmitted and linked to the information processing computer of the insurance company using the information transmission terminal. In addition, the information transmission terminal on the insured side is connected to the mileage meter of the car in question, and this number is digested / subtracted each time it travels from the 10,000 km number initially input to the insurance company's computer. Being done.・ Furthermore, in the subtraction process, if you drive at high speed, the distance will be consumed much by a certain calculation method than at low speed. The description of the subsequent embodiments is similar to that of the card system described above. However, the part of the partnership with the credit company is excluded.

[0006]

As described above, the present invention focuses on violent high-speed driving with a high tendency to cause accidents and low-speed driving with a low accident occurrence rate that suppresses speed. In the case of high-speed driving, insurance premiums are relatively low In this case, the probability of an accident occurring due to a difference in speed is linked to the insurance premium so that it will be cheaper, and the driver will be aware of the economic merit by suppressing high-speed driving to promote safe driving. The spread of this insurance will improve road safety through insurance.

[0007]

[Future issues] In the case of "communication line system", an automobile manufacturer can automatically transmit information to the insurance company, such as mileage in operation and matching of the applicable insurance contract, when the vehicle starts operating, such as engine activation. Must have equipment.

[Brief description of drawings]

[Fig.1] The actual distance while driving after the start of driving and the information for matching the applicable insurance contract are transmitted to the information reception processing computer of the insurance company using the terminal through the communication line and received and processed. This is an example. The contracted mileage is subtracted by this information processing receiving computer.

[Explanation of symbols] Information communication terminal (in-vehicle server) owned by the insured side Information reception processing center owned by insurance company

Claims (2)

[Claims] 1. Auto insurance with different insurance premiums depending on actual driving speed 2. An information system for transmitting information such as actual driving speed for realizing the automobile insurance between a vehicle and its driver (insured side) and an insurer using a card or a communication line.