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Intelligent Auto Insurance Claims System

Policyholders can self-report claims via mobile apps, mini-programs or H5 web pages, independently complete case investigation and image collection, while insurance company's online surveyors obtain required visual evidence through video calls and screenshots.

Background

Over 60% of auto insurance claims involve minor accidents with scratches and no personal injuries, typically resulting in payouts of just a few thousand yuan. However, the claims process remains cumbersome. Policyholders must contact traffic police, call their insurance provider, and communicate with claims adjusters - all while enduring long wait times and inefficient service. For insurers, even minor claims must follow standard procedures, with outdated systems causing slow case processing, extended resolution times, and high labor costs across customer service, claims investigation, and damage assessment functions.

Solution Overview

This system provides an online processing solution to help insurers efficiently handle minor accidents while reducing field workload for claims adjusters. Policyholders can self-report claims via mobile apps, mini-programs or H5 web pages, independently completing case documentation and damage photo uploads. Insurer's online adjusters then obtain required visual evidence through video calls and screenshots. Leveraging deep learning-based image recognition technology, the system employs advanced algorithms to automatically assess vehicle damage - analyzing impact locations, severity, and repair costs from uploaded images. This intelligent damage evaluation solution significantly improves claims processing efficiency while reducing operational costs.

Business Value
Streamlined Claims Processing

Enabled by digital transformation, our mobile claims platform leverages smart devices (phones, tablets) to deliver convenient services including online claim reporting, self-service claims, and "zero-distance" on-site settlements - significantly enhancing service accessibility and efficiency.

Resource Optimization

• Unified enterprise data management • Modularized mobile claims processing • Reusable functional modules

Enhanced User Experience

• Improved operational efficiency • Elevated claims service quality • Enhanced customer experience & satisfaction • Strengthened brand reputation

Key Features
Self-Service Claim Reporting

Self-complete claim information submission to finalize reporting

Self-Service Investigation

Independently conduct case investigation and image collection (including: vehicle license, driver's license, ID card, accident photos, etc.)

Video-Based Investigation

Policyholders initiate audio/video via mobile app, enabling insurers' online adjusters to obtain required documentation (including: vehicle license, driver's license, ID card, accident photos) through real-time video and screenshots

AI-Powered Damage Assessment

Leveraging deep learning image recognition technology, our algorithmic system automatically evaluates vehicle damage - analyzing impact locations, severity, and repair costs from uploaded images

Case Studies
Revamping the Claims System for Small-Scale Auto Insurance

Contact GienTech to get your customized solutions Consult expert
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