车险人伤理赔中的人工智能应用初探【摘要】中国汽车保险发展至今已经历了三十年，在人民生活水平不断提升的过程中，科技发展速度也不断加快，汽车的保有量和使用量也大大提高，出险频率也逐年增长，特别是出险案件大部分涉及到三者的伤残，所以，若要完成车险伤人理赔工作，保险公司的作用是尤为重要的，传统的人伤理赔程序和机制已无法满足当今的理赔现状，则保险行业引进了新时代下的产物-人工智能[1]。本文主要采用文献研究法、实地考察法、案例分析法三大方法，研究保险公司推出的人工智能应用如何作用于车险人伤理赔。在人工智能加持下的车险人伤理赔时效同比和环比皆有不小的提高，在缩减人工成本的同时还推动了企业利润的增长；员工的压力相对减轻，对公司的归属感增强；帮助三者更快速拿到合理的赔偿，提升了服务质量和水平。车险行业的生存环境得到改善。【关键词】 智能；远程识别；时效；理赔Preliminary Study on the Application of Artificial Intelligence in Auto Insurance[Abstract] China's auto insurance has been developing for 30 years. In the process of the continuous improvement of people's living standards, the development of science and technology is accelerating, the car ownership and usage have also greatly increased, and the frequency of insurance has also increased year by year. Disability, therefore, insurance companies play an important role in auto insurance claims. Traditional human injury compensation procedures and mechanisms can no longer meet the current status of claims. The insurance industry has introduced a new era of artificial intelligence.This article mainly uses the two methods of literature research and field investigation to study how the artificial intelligence application introduced by insurance companies can affect auto insurance claims.Advances in artificial intelligence technology ，the timeliness of injury claims for auto insurers has increased year-on-year and month-on-month, which has reduced labor costs and promoted the growth of c...
