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‘Black box’ data sees insurer successfully defend policyholder in telematics “first”

Car crash: data makes the difference

Car crash: data makes the difference

A telematics-based car insurer has claimed a first after its data was successfully used to defend proceedings brought against one of its policyholders.

Insure The Box said the case concerned a collision, for which the third party claimed fault lay with the insurer’s customer.

In the course of trial at Wandsworth County Court, Deputy District Judge McKenzie heard evidence from both parties who each gave starkly different versions of events, in terms of timing and the series of events.

The third party alleged that the collision occurred when the policyholder emerged at speed from a narrow side road, and with a burst tyre, at approximately 10.45pm. Whilst the policyholder admitted the fact of a collision, he alleged it occurred in a different place, at an earlier time and as a result of the third party encroaching into his lane.

Detailed analysis of the telematics data, presented in court by a data expert from Insure The Box, was wholly consistent with the policyholder’s witness statement.

The company said that Judge McKenzie described this evidence as “overwhelming” and dismissed the third party’s version of events as implausible, inconsistent and dangerous.

Adrian Steele, group claims director for Insure The Box, said: “Traditionally, in the absence of other evidence, liability cases simply come down to the strength of witness statements and the performance of the witnesses at trial. This case underlines the veracity of telematics data to provide impartial evidence of the facts…

“I do not believe that many insurers in the market would have been able to go this far and we are delighted with the result.”