At the heart of Octo’s leading crash and claims capabilities is the crash dossier – a compendium of all relevant facts automatically compiled and provided to our insurance partners within minutes of a crash. The Octo crash dossier is a very powerful tool to help you reduce fraud, estimate damages, and accurately assign liability. In this blog post, we deconstruct the dossier into its parts so that you can understand all the helpful data that is included.
The crash dossier is populated by telematics data from the Octo Cloud, crash scene photos and driver feedback from the Octo app, and policy information the insurer shares with Octo.
Telematics data describes the movement of the vehicle along six axis, helping us reconstruct the accident, identify points of impact, and estimate force of impact. This data can be used to visually reconstruct the crash (see below) for both insurer and insured. Octo collects vehicle data up to five times per second during a crash, providing incredible detail for crash reconstruction.
Our smart crash app, available as part of Octo’s Vantage, Surround, and Fleet insurance telematics solutions, also collects driver feedback after an accident. Crash scene photos and driver feedback help validate the accident and provide evidence to support damage claims.
The crash dossier starts with basic account details so an insurer can tie the crash back to a policy.
|Device identification code:||XXXXXXXXXXXXXXX|
|Installed on vehicle with plate:||XXX XXX|
|Vehicle make and model:||Mazda Mazda 6|
|Contract id number:||OCTO-0070042|
This is followed by a summary of high level crash data as captured and validated by Octo.
|Location:||130-136 Rumford Avenue
United States of America
|GPS coordinates (Lat., Long.):||42.3585085, -71.2412539|
|GPS detected speed in Mi/h:||4.35 Mi/H|
|Vehicle ignition status:||On|
The details section includes critical crash dynamics information that insurers can use to process and adjust the claim – date, time, location, impact locations and forces.
Satellite and vector-based maps show the path of your policyholder’s vehicle 60 seconds pre-, 30 seconds post-crash, and location of impact(s). The location of impact combined with severity helps you accurately diagnose vehicle damage.
By reconstructing the crash with telematics data, you can corroborate or challenge witness and participant statements. This is critical for reducing all the various forms of fraud with the added benefit of reducing inspection requirements for routine crashes.
|Location||130-136 Rumford Avenue
Newton, Massachusetts 02466
United States of America
|GPS coordinates (Lat., Long.)||42.3582849, -71.2424246|
|Number of impacts||2|
|1st impact: 2°||4.76g|
|2nd impact: -53°||6.7g|
Octo provides a claims survey capability for collecting driver statements and photos. Instant first notice of loss (FNOL) allows you or your claims management service to follow up your policyholder to capture accident and witness details at the scene while they are still fresh.
|Customer can answer survey:||Yes|
|Number of vehicles involved:||2|
|Number of motorcycles involved:||None|
|Number of pedestrians or cyclists involved:||None|
|Number of outside witnesses:||1|
|Names of witnesses:||Cheryl Pineau
|Number of injured||1|
|List of names of injured||Peter Bretton
Driver of vehicle A – whiplash
Vehicle A (Policyholder)
|Plate number:||XXX XXX|
|Driver name:||Peter Bretton|
|Driver phone number||1-207-555-5278|
|Vehicle A striker of:||Vehicle A|
|Vehicle A struck by:||Vehicle B|
|Accident dynamics of Vehicle A||Changing lane|
|Number of passengers:||1|
|Passenger details||Peter Bretton
123 Address Street, City, State, Zip code
|List of damaged components||Front | fender, front | wheel | side skirt|
|Notes on accident dynamics||Vehicle B changed lanes, didn’t see vehicle A in turning lane and side swiped vehicle a going 65 MPH on the highway.|
When a crash occurs, insurers instantly receive first notice of loss from Octo. The crash dossier is generated within minutes of a crash occurring, allowing you to reach out to your policyholder to offer assistance at a critical time. Between instant first notice of loss, the crash dossier, and near immediate communication with your policyholders, telematics allows you to kick off the claims process much faster than without telematics.
Download our whitepaper to learn more about the comprehensive opportunities and benefits of a telematics-driven claims process.