The Anatomy of Octo's Crash Dossier

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. You can download an example of the dossier here.

The Data

The crash dossier is populated with telematics data from the Octo Cloud, crash scene photos and driver feedback from the Octo app, and policy information from the insurance carrier.

To understand driving behavior, Octo collects and analyzes vehicle data on a second-by-second basis. When a crash occurs, Octo stores even more granular data for sixty seconds prior to the crash and third seconds after a crash. This data describes the movement of the vehicle along six axes, helping us reconstruct the accident, identify points of impact, and estimate force of impact. Octo uses vehicle telematics data to reconstruct the accident and provide a visual recreation of the vehicle’s movement back to both the insurer and the insured.

Visual reconstruction of vehicle accident

Crash Reconstruction

Our smart crash app, available as part of Octo’s Glimpse Plus, Surround, and Fleet apps, collects driver feedback after an accident. The app allows users to report an accident directly to their insurer. Crash scene photos and driver feedback help validate the accident and provide evidence to support claims. After validating that a crash has occurred, the app prompts the driver to identify any vehicle damage and provide photos the insurer can use to validate the damage.

Octo’s smart crash features

Smart Crash App

Telematics data, driver feedback, and policy information are combined to form a crash dossier, which can be compiled and sent to the insurer in a matter of minutes.

Dossier Summary

The crash dossier starts with basic account details so an insurer can tie the crash back to a policy.

Device: Octo Surround
Device identification code: XXXXXXXXXXXXXXX
Installed on vehicle with plate: INJ 476
Vehicle make and model: Mazda 6
Contract id number: OCTO-0070042

This is followed by a summary of high level crash data as captured and validated by Octo.

Date: 4/19/17
Time: 07:09:54
Location: 130-136 Rumford Avenue
Newton, Massachusetts
Middlesex County
02466
United States of America
GPS coordinates (Lat., Long.): 42.3585085, -71.2412539
GPS detected speed in Mi/h: 4.35 Mi/h
GPS quality: Good
Peak acceleration: 6.55g
Vehicle ignition status: On

Crash Details

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.

Date: 4/19/17
Time: 07:09:54
Location: 130-136 Rumford Avenue
Newton, Massachusetts
Middlesex County
02466
United States of America
GPS coordinates (Lat., Long.): 42.3585085, -71.2412539
Peak acceleration: 6.55g
Number of impacts: 2
1st impact: 2°: 4.76g
2nd impact: -53° 6.7g
Crash reconstruction map

Map Reconstruction

Claims Survey

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 with 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
Accident report: Yes
Number of outside witnesses: 1
Names of witnesses: Name: Cheryl Pineau
Phone: XXX-XXX-XXXX
Number of injured: 1
List of names of injured: Peter Bretton
Driver of vehicle A – whiplash

Vehicle A (Policyholder)

Plate number: INJ 476
Driver name: Peter Bretton
Driver phone number: XXX-XXX-XXXX
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: Name: Peter Bretton
Phone: XXX-XXX-XXXX
List of damaged componenets: 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.
Vehicle damage map

Vehicle Damages

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.

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