# A Police and Insurance Joint Management System Based on High Precision BDS/GPS Positioning
## 6 Conclusions  
This article has developed a vehicle terminal with high precision BDS/GPS positioning and a police and insurance joint management system with big data analysis and management to provide services for traffic police and insurance companies. It represents a breakthrough in the application of wide area real-time high precision positioning in vehicle systems. A solution scheme is also proposed to realize the fusion of multi-source data including the space-time data of BDS/GPS and multiple sensors and the visual data of the accident scene. The scheme has satisfied its goal to achieve remote responsibility identification and damage assessment, accurate reproduction of the scene, preservation of complete evidence, prevention of insurance fraud, police and insurance joint management, rapid claims to insurance companies and quick evacuation of the scene. The existing accident treatment way can obtain the evidence only after an accident, which cannot obtain the complete evidence and judge the accident's authenticity. However, the intelligent terminal developed in this article  
Figure 13: Accident simulation video.  
can achieve all that. This multi-functional intelligent terminal, with integrated functions of driving records, navigation location-based services, fast claims, advanced driving assistance system and vehicle information services, has been deployed in Wuhan, Wuxi, Ningbo and other cities in China on a large scale. It can promote commercial vehicle insurance reform and technical innovation in China.  
Although the application of the intelligent terminal in handling minor traffic accidents is emphasized in this article, the terminal can also be applied in other fields, such as the insurance industry. The terminal can accurately obtain the vehicle's behavior information, including acceleration, deceleration, sharp turns, and sudden lane change and so on and can conduct statistical analyses of these data. UBI insurance mode is a differentiated vehicle insurance based on users' different driving behaviors, and the vehicles' behavior information is necessary in this mode. It is also a development trend of insurance mode. At the same time, the vehicle behavior data can help design new types of insurance. Moreover, it can be applied to construct an actuarial model and calculate price premium rates using vehicle lane level behavior data, which will be our goal for further study.  
The authors thank [PERSON] of Tongji University, [PERSON] of Wuhan University and Wuhan BIDOSTAR Beidou Technology Co., Ltd. (Wuhan, China) for their help. This research was supported by a grant from the National Key Research and Development Program of China (2016 YFB0501805), and the National High Technology Research and Development Program (863 Program) (2015 AA124100), and the Open Project Program of the key laboratory of traffic safety, Ministry of Public Security(2016 ZDSYSKFKT04).  
[PERSON] and [PERSON] conceived, designed the method and performed the experiment; [PERSON] proposed the original idea; [PERSON] and [PERSON] participate in the experiment and analyzed the data; [PERSON] and [PERSON] wrote the paper; [PERSON] and [PERSON] revised the paper; [PERSON] guided and supervised the overall process.  
The authors have no conflict of interest.