Telematics Can Contribute Significantly to Accident Reconstruction and Traffic Accident Investigation
The data collection mechanisms and information acquired in UBI programs can contribute significantly to accident reconstruction. Data collected using telematics devices can help paint a picture of the conditions and events whenever a driver is involved in an accident. Location, speed, G-forces, and other factors reveal different aspects of the accident event, and, when compared with the driver’s recollection and description, help fill in details that the driver or witnesses may not even recall. These same capabilities can also be used with claims settlement processes.
Once an insurance company and TSP have acquired a significant amount of data, they can begin creating algorithms to identify certain types of behaviors associated with accident patterns. In situations where the accident details vary among witnesses, the recorded data can help reconstruct the accident details to establish a more accurate picture of the event.
For example, perhaps a driver gets into a collision in which they claim that the rear bumper was badly scraped. Reviewing the telematics data from the event indicates that in the collision, the other vehicle struck the right-side passenger door at a 45-degree angle. No impact took place to the rear bumper, so the claim that the bumper was damaged in the accident can be excluded from the accident coverage.
Telematics data can also provide positive information in support of an argument being made by a claimant. For example, consider a situation where one driver was believed to have crashed into someone else’s car. However, the telematics data clearly indicates, based on the G-forces, that there was substantial vehicle movement before the vehicle struck another object, contrary to the original account from the driver who caused the accident.
Data of this type can support both parties. But simply having the information available can be a major step forward in minimizing inappropriate claims. And, the same collected data that reveals key characteristics of an incident can be invaluable to a claims adjuster attempting to evaluate the nature of an accident. In many instances, the involvement of a claims adjuster may not even be necessary because the data effectively informs the insurer with a full body of
information to evaluate the claim.