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The policyholder was shocked when they received a call from their insurer which alleged that they had been involved in a car accident and fled left the scene.
They denied being anywhere near the vicinity of where the crash occurred, but the claimant’s insurer continued to insist upon their involvement.
As a result, the insurer resorted to accessing their online portal provided by Insure Telematics Solutions (ITS), which is the firm behind the black box fitted in the car.
It used the data provided to determine where the driver had been and when to determine whether or not they could’ve been involved in the accident.
The insurer's review of the data made it abundantly clear that the accused policyholder was telling the truth.
While the motorist had driven in the area of the crash during the day, it was not at the time of the alleged incident, nor did the behaviour and movements of their vehicle match up with the known facts of the crash.
In fact, the data also confirmed that the vehicle had been parked and stationary at the time of the crash, meaning it could not have been involved in the accident.
Black box car insurance premium saved driver forking out a hefty bill (Image: GETTY)
Without the black box, the motorists could’ve been handed a £8,000 fine in damages.
Adam Gooch, Commercial Director at ITS said, “When an insurer makes a claim, it is vital that the facts of the alleged incident can be quickly verified.
“Whilst an eyewitness testimony can form a part of the claims investigation process, incidents such as this demonstrate the importance of having reliable, objective methods of discerning fact from fiction.
“In this case, the data the insurer was able to access from ITS’s black box portal was instrumental in avoiding payment of a claim that the policyholder was not involved in, saving the insurer in excess of eight thousand pounds and preserving the policyholder’s no claims bonus”.
Car insurance: Top money saving tips for young drivers
Telematics premiums record how a motorist drives including speed, braking and cornering (Image: GETTY)
Black boxes are devices which are fitted within a car that records and monitors driving.
Data collected can be used to increase or decrease insurance premiums based on the way the motorist consistently drives.
A standard black box will be able to determine the speed, braking, cornering, and crucially, the location of a vehicle at any given time.
It used the data provided to determine where the driver had been and when to determine whether or not they could’ve been involved in the accident.
The insurer's review of the data made it abundantly clear that the accused policyholder was telling the truth.
While the motorist had driven in the area of the crash during the day, it was not at the time of the alleged incident, nor did the behaviour and movements of their vehicle match up with the known facts of the crash.
In fact, the data also confirmed that the vehicle had been parked and stationary at the time of the crash, meaning it could not have been involved in the accident.
Black box car insurance premium saved driver forking out a hefty bill (Image: GETTY)Without the black box, the motorists could’ve been handed a £8,000 fine in damages.
Adam Gooch, Commercial Director at ITS said, “When an insurer makes a claim, it is vital that the facts of the alleged incident can be quickly verified.
“Whilst an eyewitness testimony can form a part of the claims investigation process, incidents such as this demonstrate the importance of having reliable, objective methods of discerning fact from fiction.
“In this case, the data the insurer was able to access from ITS’s black box portal was instrumental in avoiding payment of a claim that the policyholder was not involved in, saving the insurer in excess of eight thousand pounds and preserving the policyholder’s no claims bonus”.
Car insurance: Top money saving tips for young drivers
Telematics premiums record how a motorist drives including speed, braking and cornering (Image: GETTY)Black boxes are devices which are fitted within a car that records and monitors driving.
Data collected can be used to increase or decrease insurance premiums based on the way the motorist consistently drives.
A standard black box will be able to determine the speed, braking, cornering, and crucially, the location of a vehicle at any given time.
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