Abstract:The growing demands in providing better services to customers, as well as reducing the cost of the insurance companies; while processing insurance quotes require the use of modern technologies such as the methodology of comparing prices and buying policies through the internet. There is a demand for providing a better customer's quality of shopping, saving customers time and money and integrate all parameters in insurance companies that are important in calculating and creating insurance price. The current way of exchange -search as integration of data, such as an incident book, would be replaced by a modern automatic search of the database, and use processes that meet all insurance standards. The institutions such as insurance supervisor authorities, state tax offi ce and other institutions will be able to access the data in real-time and receive relevant and accurate information about the insured, the vehicles and the policy. The research and developing model is based on study of regulation laid down by the Agency for supervision of insurance in Bosnia-Herzegovina and the collection of business data from insurance companies. Although tariffs and prices of vehicle insurance are unique for all insurance companies, there are differences in how the businesses are carried in insurance companies.[1] Based on these studies and research the new model is developed and proposed for further development and improvement, integration, processing and sale of insurance policies through the Internet.
Decrease in the price of the policy in the following text Bonus and increase in the price of the policy in the following text Malus is currently determined by searching the data in spreadsheets, hereinafter referred to as the Book of Incidents. The owner of the book of incidents is the Insurance Agency, which collects data from all active insurance companies. The insurance agency migrates all collected data into one file and distributes it by e-mail or CD to all active insurance companies. The book of incidents is a Microsoft Excel file from which the insurer can search for a vehicle or insured person who may have caused an incident in the past, damage to his vehicle as well as to the vehicle or a third party.
Insurance telema cs is widely used in Europe by young and fi rst-me car drivers [1] [1]. It relies on an insurance premium that is based not only on sta c measures, but also on dynamic measures. The dynamic measures are the current posi on of vehicle, the current speed at that posi on, me spent on the road, the driver's style of driving etc. When we talk about insurance telema cs, we refer to insurance schemes pay-as-you-drive (PAYD), pay-how-you-drive (PHYD) and manage-how-you-drive (MHYD). Telema cs could be smartphone based insurance with technology which relies on insurance premiums that refl ect the risk profi le of drivers and the tradi onal in-car mounted devices for insurance telema cs. This telema cs work is experience from a recent insurance telema cs valida on and analyst pilot run in England on motorway around the Heathrow airport. In this telema cs test, the global posioning system (GPS) and smartphone is used as receiver.The small global posi oning system (GPS) transmi er is a small tracker in-car mounted devices with SIM card with is set up for sending SMS to smartphone every ½ minutes. The smartphone is the receiver equipment which is used to collect telema cs data which is ready for analysis. There are many companies around with data analy cs exper se who use the latest big data analy cs technology such as Hubio Dynamic Data Warehouse[2] [2]. They analyse data from a wide range of diff erent data sources, including databases, sensors, smartphones and social media.
The reconstruction of the passenger car body is approached for several reasons: development of a new model, installation of a new unit, compliance with new regulations, weight reduction, introduction of new materials and technologies, etc. It can be realized through: constructive changes, introduction of new materials or combined. The paper analyses the effects of implemented changes in order to meet regulations as well as the need to change existing technologies on the example of a car body. The introduction of new materials can significantly improve the existing structure with minimal changes.
Electronic modules are important components of manufacturing and research equipment in the field of plastic deformation of sheet metal fabrication, as well as in other processes. Depending on the type and complexity of the production or research process, different electronic modules are also used. The indispensable electronic modules in production as well as experimental (research) systems are: encoders, signal processing, A/D and D/A converters, required software of all levels, all the way to large packages for numerical process simulation. This scientific paper presents an original computerized device for testing tribological influences in plastic deformation of slim (thin) sheet metal forming (fabrication), whose control base consists of electronic modules. Some results are also shown as dependencies, obtained by testing on this developed device.
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