# A Police and Insurance Joint Management System Based on High Precision BDS/GPS Positioning
## 1 Introduction  
The development of modern traffic has accelerated the development of the automobile market, but it also causes frequent traffic accidents. Not only can traffic accidents bring loss of life andproperty to people, but they also cause economic losses and huge time cost increases. The _Yearbook of China Transportation & Communications 2016_ shows that car ownership in China reached 194 million vehicles at the end of that year and the TCI exceeds 2.0 during rush hour in some cities. There were 300,000 traffic accidents in 2016, among which the percentage of minor traffic accidents with no casualties accounted for 70% or even 80% in some cities, according to the statistics. The average time of handling such accidents is over 30 min, which is regarded as one of the major causes of traffic jams [1]. Currently, there are two typical ways to deal with traffic accidents in China. In the first way, drivers of an accident have to wait for traffic police to arrive at the scene to check and judge fault and liability. Only after that they can leave the scene. It usually takes at least two hours to complete the whole process. The other way to handle an accident is faster. Drivers take photos as evidence after an accident and then they go a designated place to deal with it. However, this can obtain evidence only after the accident but not of the whole process, which often causes disputes. More importantly, the second way cannot judge the authenticity of the accident and cannot realize remote responsibility judgement. Therefore, it is necessary to propose a scheme to effectively implement dynamic traffic monitoring and rapid accident disposal. A police and insurance joint management system is developed which based on high precision BDS/GPS positioning after combining several technologies such as the Internet, intelligent sensing, location and navigation together in a terminal and big data analysis in the remote platform. When an accident happened, it can achieve fast claims, rapid processing of traffic accidents, accurate reproduction of an accident scene and accident evidence preservation through the police and insurance joint management system. The study motive of this article is to improve the ability of traffic control and the efficiency of handling traffic accidents. It is impossible to do the statistics of precise vehicle behaviors, remote accident responsibility identification and to identify insurance fraud based on the inadequate location accuracy. Among them, precise vehicle behaviors refer to the lane level behaviors of a vehicle such as lane changes. The judgment and statistics of precise vehicle behaviors are considered to be key to judge the fault and liability of an accident. The terminal with high precision BDS/GPS positioning can achieve precise data and realize this motive. The main contributions of this article are as follows:  
1. Vehicle terminal based on high precision BDS/GPS positioning At present, pseudo-range and Doppler measurements are usually used in GNSS vehicle navigation systems and its positioning accuracy is usually around 5 m, when without augmentation data [2; 3]. This cannot meet the need of lane level behavior judgement, but it allows us to obtain an accuracy of a few meters in real-time stand-alone positioning and a handful of centimeters (i.e., four to six cm) in real-time if use of a Continuous Operating Reference Stations (CORSs) network is considered [4; 5]. Therefore, the high precision positioning algorithm is integrated on the basis of the previous researches in this article, which includes Precise Point Positioning (PPP), Real-time kinematics (RTK) and inertial navigation. Multiple sensor modules fusion is also applied on the terminal. It needs to be emphasized that the terminal applies a commonly used consumer electronic device with single frequency navigation and its cost is about $20. In addition, it can access the BDS ground-based augmentation system signal, part of the CORSs network, including precise orbit data and precision clock difference data.