CASE STUDIES

Solutions for Insurers and Car Owners

Discover how our expertise transforms accident data into actionable insights. Dive into our case studies to see the impact. For Insurers: Explore how data-driven analysis streamlined claim processing and ensured accurate liability determination, saving time and resources. For Car Owners: Learn how precise crash data helped secure a fair settlement and peace of mind in a challenging accident case.

A Case Study from the Insurer’s Perspective

  • Vehicle 1 rear-ends Vehicle 2, a Tesla, on a highway, creating a high-speed, multi-car accident.
  • The driver of Vehicle 1 says that Vehicle 2 stopped abruptly in the middle of the highway, and Vehicle 1 was unable to stop before colliding with Vehicle 2.
  • A witness, Vehicle 3, describes the scenario similar to the driver of Vehicle 1.
  • Police cite the driver of Vehicle 2 and list them as being at fault for the accident.
  • The driver of Vehicle 2 says they did not stop the car, rather, that the car was in Autopilot mode and slowed down a bit but never stopped.  

If you are the insurer for the driver of Vehicle 2, what should you do? The police report and witness statements say your guy did it, but your insured is adamant that they didn’t do anything wrong. Do you accept the traditional accident intelligence, pay the claim against your insured, and move on? Or do you fight for your policyholder and think beyond traditional accident information?  

  • In this case, the insurer listened to their policyholder.
  • The policyholder, driver of Vehicle 2, worked with QuantivRisk, providing their consent to obtain and use the crash video and data from Tesla.
  • QuantivRisk analyzed the facts of the accident from the car’s perspective.
  • Data and video showed that Vehicle 2 never dropped below 55 mph, and camera footage shows Vehicle 1 approaching at excessive speed.
  • Armed with these FACTS, the insurer promptly denied the claim from the driver of Vehicle 1 and pursued their insurance company for damages on behalf of their policyholder, the driver of Vehicle 2.
  • Accuracy in fault determination
  • Preservation of company capital
  • A loyal policyholder that feels supported, and will likely tell their friends

A Case Study from the Car Owner Perspective

  • While driving down the highway approaching an underpass, the driver (let’s call them Vehicle 1) noticed that the car’s Autopilot started to change lanes but then changed it’s mind.
  • Wham! The driver feels the impact as they are rear-ended by another vehicle (let’s call them Vehicle 2).
  • When all the commotion stops, there are several vehicles involved in a crash.
  • The police show up and interview all the drivers involved in the crash, and a witness. All the other drivers and witnesses say Vehicle 1 stopped abruptly in the middle of the highway.
  • Police cite the driver of Vehicle 1 and list them as being at fault for the accident.
  • The driver of Vehicle 1 says they did not stop the car, rather, that the car was in Autopilot mode and slowed down a bit but never stopped. 

The driver of Vehicle 1 was in shock. ‘How could all those people say my car stopped?!?’. The driver worried about the financial impact of deductibles, insurance premium hikes, and most importantly, potential lawsuits from other drivers claiming injuries from the crash.  After some time passed the driver calmed down and started to think. They knew their car was surrounded by cameras and sensors and suspected it must capture data to enable the autopilot mode to operate. But how do they get that information? The driver found QuantivRisk and requested our assistance in getting the data to better understand what happened.

  • The driver of Vehicle 1 worked with QuantivRisk, providing their consent to obtain and use the crash video and data from Tesla.
  • QuantivRisk analyzed the facts of the accident from the car’s perspective.
  • Data and video showed that Vehicle 1 never dropped below 55 mph, and camera footage shows Vehicle 2 approaching at excessive speed.
  • Armed with these FACTS, the driver of Vehicle 1 called the claims adjuster at their insurance company to share the truth of what occurred in the accident.
  • The insurer changed position, and began conversations with Vehicle 2’s insurer, assigning liability to them.
  • The driver of Vehicle 1 was able to protect their assets
  • Driver’s deductible was reimbursed by the other insurance company
  • Driver felt like truth and fairness prevailed