Crash Detection: Real Transformation For Auto Claims – No, Really
by Stephen Applebaum and Alan Demers — Too many headlines contain wild hyperbole meant to grab readers’ attention while also conveying the enthusiasm of the author. In particular, the word “transformation” has been severely overused and often misplaced, particularly when applied to the auto insurance claims process. That is not the case here. It is our opinion, as subject matter experts in Auto Physical Damage claims information technology, that the more sophisticated Crash Detection as defined here will indeed be transformative to auto claims in multiple senses of that word. But first it is critical to understand the relationship between various Telematics programs and Crash Detection technologies, not all of which are useful in the Auto Insurance industry – and even fewer yet to the claims process. Telematics: A Brief History Telematics, in one iteration or another, has been around since GM introduced its OnStar in-vehicle telematics technology and related safety services. OnStar was initially a dealer-installed device offered in several 1997 Cadillac models. OnStar enabled drivers to connect from their cars with safety advisors in the event of an accident, breakdown or other roadside emergency. Since then, the convergence of telecommunications and information processing – broadly referred to as ‘telematics’...
