The "core" technology empowers the whole process of claims "intelligent" service experience without limits

Lady Liu, who lives in a neighborhood in Beijing's Third Ring Road, had a rear-end accident some time ago, and she only knew to call the insurance company's report phone number under the guidance of the other accidental car owner, and because she was on her way to work when she had an accident, she was more anxious, and waited for the surveyor for ten minutes before calling the insurance company's customer service in the hope of enhancing the efficiency of handling the accident through self-help claims, but the process of taking photos was very time-consuming and lengthy. A very time-consuming, lengthy, a very small minor rear-end accident caused by the accident of both sides of the "big trouble". This is because taking pictures at the scene is the most important precursor to obtaining evidence in the investigation and determination of damages.

Car insurance "claims difficult" has always been the 400 million car owners of the slot, once the vehicle insurance accident, customers are often faced with a long waiting time at the scene, many times to and from the insurance company and maintenance companies, the amount of claims and vehicle maintenance amount of controversy, claims definition standard is not uniform, etc., the whole car insurance claims industry The service quality and efficiency of the entire auto insurance claims industry needs to be improved. Meanwhile, claims management has always been an important part of insurance companies' management of auto insurance business. With the development of the auto insurance market and the empowerment of science and technology, the all-round optimization of auto insurance claims service is blossoming in the industry, and the auto insurance claims service has become simple, convenient, fast, and transparent from the complexity and redundancy in the past.

In recent years, a variety of technologies showing exponential development, such as artificial intelligence, blockchain, Internet of Things, and gene technology, are combining their efforts to change the global insurance industry. The insurance industry is currently facing a transformation from traditional to digital. This is precisely the huge impact that the technological revolution has brought to the transformation of the traditional insurance industry. The continuous penetration of technological innovation and scenario application is accelerating the change of traditional insurance sales, underwriting and claims processes. In the middle of the top priority in the claims side, with the popularization of one-stop, automatic intelligent claims, fast claims tools and service connection, the claims processing process will be greatly simplified, based on the "whitelist" system of online fast claims and credit claims will be able to be landed on the application. And in the middle of this, "loss determination" is the core link in the whole claims process.

"Three photos, second-level loss determination." The "core limit" intelligent claims project is PICC's Aibao Technology and PICC Property and Casualty Insurance to "technology + data" as the core to AI image recognition, big data mining and deep learning technology as the basis for supporting the online claims tool and the background of the local chemical timing Parts price library support, service in the survey, loss determination, repair and quality inspection and other claims scenarios, through the real-time audio and video, artificial intelligence, deep learning and other emerging technologies, and PICC massive data mining and analysis, to complete the loss of the vehicle appearance parts image recognition model modeling, based on the vehicle collision experimental data of the intelligent algorithms, with the backend of the localization of the hours of work and parts price library support, to achieve the small claims auto insurance The whole process of automated processing of cases from reporting to payment assists insurance organizations in reducing costs, controlling risks, improving efficiency, and optimizing services.

Solving the management pain points of insurance companies and helping to digitally upgrade claims management. "The "core limit" intelligent claims project firstly initiates a video with a single click, and the AI surveyor arrives at the scene in a second, and the online survey helps the insurance company to realize cost reduction and increase efficiency in order to improve the per capita labor efficiency; and then the real-time AI automatically determines the loss, reasonably recommends repairing the car, and the whole process can easily achieve a 5-minute case closure. The whole process can easily realize 5-minute case closure, meanwhile, intelligent recommendation for car repair, accurate recommendation of repair shops on demand, and timely answers to questions and clarifications. And from the survey process, survey photos, document photos, results output, to communication tactics, emotional attitude and other details to make auto insurance claims survey more standardized. Behind the "core limit" to significantly improve the efficiency of claims, there are more than 40,000 models of accurate identification of information, hundreds of millions of historical claims big data intelligent comparison, more identifiable damaged parts, and a higher degree of damage identification accuracy, to create automatic AI loss determination standardization "hard core" strength, to achieve international comparable strength. "Strength, to reach the international industry leading level, and has realized in the real scene of the landing application. In addition, through the one-on-one personal video accompaniment, claims progress, maintenance program timely notification and other upgraded service experience, so that customers feel the temperature of science and technology! Dramatically enhance the sense of belonging and identity of customers.

"Core limit", adhere to the user-centered, fully promote the digital transformation of the claims industry, in order to achieve the whole process of auto insurance claims business, online, intelligent; committed to the power of science and technology to build the whole process of claims one-stop processing platform, so that the management is more efficient, so that the claims are more simple!