Enabling Tech: Cost Effective Data-Driven Claim Insights through EDR to Fight Fraud

Since the mid-1970’s Event Data Recorders (EDR) appeared on the scene to monitor airbag and crash performance by vehicle manufacturers.?Many times, those involved in a vehicle collision may not remember events as they occurred, or worse, cannot recount facts due to serious injury or absence due to death. Ninety-five percent of manufactured vehicles worldwide have an EDR that captures and stores vehicle data several seconds before, during, and after an event. The Airbag Control Module (ACM) is what triggers this system when it detects an excessive rate of vehicle deceleration or when an airbag itself is triggered. It should be noted that the data collected by an EDR belongs to the owner of the vehicle at the time of the accident, and permission must be granted by the owner to extract the data for use in claims decisions.

The EDR data is also non-invasive to the vehicle when extracted.?Through the On Board Diagnostic (OBD) port, the data is extracted by a simple connection and collection of the raw data for analysis and is usually completed within minutes to be reviewed.?Once reviewed, the EDR extraction report will be able to show a complete story of the vehicle at the time of the accident to assist in validating or mitigating a claim.

Examples of how an EDR will help validate a claim are:

• Accurate travel speed of the vehicle, along with the amount of accelerator use
• Pre-Impact maneuvers such as steering angles and brake usage
• Number of occupants in the vehicle
• Airbag deployment
• Use of seatbelts

EDR data also can help indicate potential fraud - such as:

• Staged collisions
• Parked and Unoccupied
• Pre-damaged vehicle where the accident may not have been within the policy period
• Odometer rollback
• Jump in injuries
• Distracted drivers

Lemieux & Associates has committed to ensuring this technology is a part of the claims investigation toolbelt with coverage for EDR extraction nationwide for our insurance partners. Our EDR extractions offer a cost-effective way to assist in the mitigation of claims at a fraction of most competitors’ costs. This is because we value our partnership and want to help cut claims costs and reduce fraud.

With an EDR extraction from Lemieux & Associates, you get more than Raw Data; you get an entire look at the vehicle and the event with continued support with things such as:

• EDR vehicle data
• Vehicle health report
• Repair information
• VIN history
• Safety recalls
• Fraud flag/Loss indicators
• Occupant presence, seatbelt usage
• Injury risk potential through biomechanical review
• Courtroom testimony

When you use Lemieux & Associates as your EDR partner, you will have confidence in knowing that the EDR data was extracted professionally, reviewed/reported by an expert, and will stand by you if your claim goes to trial.?

For a sample report or a demonstration of our EDR process and product, click here