View this article online: https://www.insurancejournal.com/news/international/2016/07/28/421492.htm
Telematics data was successfully used to defend a driver in a liability trial in England, according to Insure The Box Ltd., a telematics-based car insurer.
The strength of the telematics data prove the policyholder’s case, in contrast to the third party’s version of events, according to the London-headquartered insurer.
The case involved a collision, which the third party blamed on the policyholder of Insure The Box.
During the trial at Wandsworth County Court (in London), evidence was heard from both parties who each gave different versions of events, said the company in a statement.
“Data from the black box installed in the customer’s car provided the compelling evidence to challenge the third party’s version of events, with an employee of Insure The Box attending the trial to explain the data and be cross examined by the claimant’s barrister,” the company explained.
“Detailed analysis of the black box data, presented in court by a data expert from Insure The Box, was wholly consistent with the customer’s witness statement,” said the insurer.
As a result of the evidence, the trial judge said the telematics evidence was “overwhelming” and the third party’s version of events was dismissed, the company said, noting that the judgment meant it did not have to pay out the £22,250 ($28,629) it had allocated if the claim had been successful.
“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,” explained Adrian Steele, group claims director for Insure The Box. “This case underlines the veracity of telematics data to provide impartial evidence of the facts.”
* Insure The Box Ltd. launched in June 2010 with its first product, insurethebox. The company said it is the UK’s largest telematics (or black box) insurance provider, holding over 2.5 billion miles of driving data and associated claims. Aioi Nissay Dowa Insurance Co. of Europe Ltd. (ANDIE), subsidiary of Aioi Nissay Dowa Insurance Co. Ltd. and part of the Japan’s MS&AD Insurance Group Holdings Inc., acquired the majority stake in Box Innovation Group Ltd. (the parent company of Insure The Box) in March 2015.
Source: Insure The Box