In recent years, the compensation cost for auto insurance personal injury claims has continued to rise, accounting for over 50% of total auto insurance claims payments, becoming a core pain point for property insurance companies' operation and claims management. With the popularization of new energy vehicles and increasing road traffic density, the frequency of personal injury accidents has kept rising. Coupled with factors such as rising medical expenses and annual improvement of compensation standards, the industry generally faces multiple challenges including high compensation costs, difficult risk control, low processing efficiency and poor service experience. Against this backdrop, Jingyou Technology officially launched the Professional Auto Insurance Personal Injury Solution 3.0, empowering full-process management with technology to provide a new path for the industry to resolve the high-cost dilemma in personal injury claims.
Based on industry pain points, Jingyou Technology's Personal Injury Solution 3.0 constructs a full-process management system from three core dimensions: data, risk control and intelligence, covering the entire links of case reporting, investigation, medical review, disability assessment, mediation and litigation risk control. Relying on over 30 years of accumulation in insurance technology and automotive aftermarket, the solution integrates massive professional data in medical treatment, disability, claims and justice, establishing an industry-leading personal injury vertical knowledge graph and algorithm models, realizing closed-loop capabilities from risk early warning to accurate damage assessment, and from rapid mediation to cost control.
The core highlights of the solution lie in three intelligent capabilities: first, intelligent injury assessment, which automatically determines injury severity, treatment cycle and reasonable expenses through multimodal AI recognition of on-site photos and medical records, accurately eliminating unreasonable medication and excessive medical treatment精友科技; second, intelligent risk control and anti-fraud, establishing a personal injury risk feature library and fraud recognition model to screen risks such as fake injuries, prolonged hospitalization and fraudulent claims in real time, effectively reducing losses from insurance fraud; third, intelligent mediation and quick settlement, automatically generating mediation plans and claim amounts based on standard injuries and compensation algorithms, shortening case cycles, reducing litigation disputes and improving customer experience精友科技.
Addressing the long-standing industry problems of "complex processes, long cycles, high costs and numerous disputes", the solution refines traditional personal injury case processing nodes from over 30 to 56, realizing digital, standardized and intelligent control of all links. Through the "large model + professional small model" technical architecture, it deeply integrates medical expertise with claims business, enabling personnel without medical background to quickly master professional judgment capabilities, greatly improving front-line processing efficiency and accuracy精友科技. Meanwhile, the solution supports seamless connection with insurance companies' core systems, medical platforms and judicial institutions, realizing data interoperability and collaborative operation, and building a new digital ecosystem for personal injury claims.
Feng Yancheng, President of Jingyou Technology, stated that personal injury claims are the "hard nut to crack" in auto insurance claims, featuring high costs, high complexity and strong professionalism. Only from the customer's perspective, by enhancing intelligent risk control, accurate identification and transparent service capabilities through technological means, reducing human intervention and connecting the ecological chain, can we effectively manage personal injury risks, reduce unreasonable costs and improve user experience. In the future, Jingyou will continuously iterate its personal injury solutions, driven by AI technology, to help insurance companies achieve the core goals of "cost reduction, efficiency improvement, service optimization and risk control" in personal injury claims, and promote high-quality development of the insurance industry's digital and intelligent transformation.
As a leading enterprise in the insurance technology field, the professional auto insurance personal injury solution launched by Jingyou Technology this time not only fills the gap in the industry's intelligent full-process personal injury management, but also resolves industry pain points through technological innovation, providing strong support for property insurance companies to improve quality and efficiency and operate in compliance, and helping comprehensively upgrade auto insurance claims services and risk management capabilities.