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            GPS telematics data used to secure finding of fundamental dishonesty

            The use of telematics data within the claims process is still very much new ground for insurers. There are numerous issues that require careful consideration and preparation in order to yield the benefits that telematics data can bring, without risking the integrity of a telematics scheme.

            Date: 14/10/2015

            Fletcher v McHugh

            The Claimant, Mr Fletcher alleged that he was involved in a straightforward rear-end collision with Mr McHugh, at a remote location, late one night in March 2013. As a result of the collision, the Claimant brought a claim for personal injury, which was presented to McHugh’s insurer’s, Insure the Box (ITB). The Claimant and McHugh acted as though they had never set eyes on each other before that evening.

            At the Trial of the Claimants’ claim before District Judge Rodgers at Doncaster County Court, as part of the defence of the claim, telematics data was adduced, in the form of both documentary evidence and witness statements. The GPS data taken from the telematics device that had been fitted to the McHugh’s vehicle as standard practice with ITB policies, suggested that he had visited the Claimant’s home address, more than 50 times over the life of the insurance policy. Importantly, the telematics evidence was subject to and withstood cross examination from the Claimant’s barrister.

            In cross examination, the Claimant accepted that he had been dishonest and the Judge dismissed  the claim, stating that it had been “incredible” that, despite their obvious connection, Fletcher and McHugh could claim to be strangers. Although the Claimant’s claim had benefited from Qualified One Way Costs Shifting, that benefit was lost after the Judge found the claim to be fundamentally dishonest, with the Claimant ordered to pay the insurers costs in the sum of £14,400.

            Our telematics expertise

            In a challenging and rapidly changing claims environment, data derived from telematics systems can when harnessed correctly, help to deliver substantial savings, from improving the speed and accuracy of liability decisions to streamlining fraud detection. Over a number of years, DWF have developed legal and consultancy expertise, leading to us advising on a broad range of telematics based issues, such as data protection and disclosure, to utilising data within claims and litigation .

            Our experience in this area means that we can help you leverage the power of telematics data to improve and drive claims performance, across the whole of your claims processes including:

            • First notification of loss.

            • the MoJ Portal process; and

            • motor claims handling generally.

            • Data Protection issues - including questions around data ownership and responding to telematics data disclosure requests, which are often commercially sensitive.

            • Litigation - including reducing litigation rates, deploying telematics data at trial and ensuring that the evidence is presented in a way that is accessible to the court and dealing with disclosure as part of the litigation process.

            For more information on Telematics Insurance Claims click here, or contact Jamie Taylor on 0161 604 1606 or jamie.taylor@dwf.co.uk

            Jamie Taylor and Telematics Claims Consultant Paul Chandler will be presenting on telematics at an event in December. To find out more or register to attend, please contact events@dwf.co.uk

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