may ultimately impact auto claims handling in a meaningful way.
The Crash Data Retrieval (CDR) tool,
for example, is one such product that is
assisting insurers in accident investigations today. The CDR tool uses a combination of hardware and software to read
crash data found in a vehicle’s EDR.
Anatomy of an EDR
Sensors located throughout the vehicle
feed information back to the “brains”
or electronic control units (ECUs),
contained within the vehicles Air Bag Control
Module (ACM),which is typically found
in a fairly well-protected area—for example, under the driver’s seat, the center
console, or in another protected location.
If a car hits a tree, the standard EDR
data will reflect the exact speed of the car
upon impact; the acceleration or deceleration for a number of seconds before
and just after impact; show whether the
foot was on the brake or still on the gas;
Fraud fighters are constantly looking for new approaches to old problems while some- times applying old approaches
to new ones. Within the realm of auto
claims, p&c insurers are devising strategies that meld biomechanical engineering with investigative acumen and the
Although event data recorders
(EDRs)—also referred to as “little black
boxes”—have been around for years, insurers are finding new ways to better utilize the data they collect in order to make
more accurate liability determinations.
To this end, a sister industry has emerged
to offer various products to enhance the
value of EDRs. Some of these products
EDRs in Auto Claims Investigations
By Lou Stanley