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Crash test technology resulting in lower auto insurance fraud.
Image copyright Getty Images Telematics technology image caption could reduce fraud for accident cash and false injury claims.
Beware of fraudsters day auto insurance claims are numbered dodgy Technology has you in his sights.
Like all watches to refrigerators, cars are becoming faster Internet connection and responsible for monitoring sensors wherever they go.
A black box is in the millions of cars in the world, now that more and more drivers choose so-called telematics insurance policies.
And these devices that monitor speed, acceleration, braking, cornering - all aspects of driving - help insurance companies Eliminate fraudulent accident claims in cash and injury, that could save losses billion industry annually.
There are about 12 million of these policies in the world today, with the largest markets are the United States, the United Kingdom - which now has more than 450,000, an increase of 40 last year - and in Italy.
image copyright Thinkstock Image Caption of where, when and how a car was going fast can help insurance assessors.
This still represents about 1 5 of the worldwide market for insurance policies, however.
Jonathan Hewett of Octo Telematics, which provides data and analysis that comes from black boxes said it gives insurers a complete understanding of an accident - even if only one vehicle involved in telematics technology provides a much deeper data that allows insurers to do much better.
As claims represent approximately 80 insurers of costs, be able to examine the forensic to determine the responsibility - and if drivers make fraudulent claims - is critical to the bottom line.
You can understand the force of impact, and therefore the probability of things like whiplash and soft tissue injuries, M. Hewett said.
image copyright Thinkstock Image Caption telematics boxes could help reduce false claims of whiplash.
Another, perhaps unexpected, benefits of telematics allowing insurers to become aware of an accident as soon as he arrives, the boxes are usually connected to a vehicle's diagnostic port under the hood or connected to taking 12 volts in the cabin.
If the camera detects a G-force above a certain level, it automatically triggers a call to check if the driver and passengers are safe or alerts emergency services if needed, said Scott Goodliffe of insurance broker Adrian Flux.
A technology that can automatically notify emergency services in case of accident will be mandatory on all new cars sold in Europe in April 2018 through the eCall initiative of the European Union.
Image copyright European Commission Image Caption An eCall will be made automatically in case of serious accident.
The EU says this will significantly reduce the response time to accidents and could save hundreds of lives a year.
Allow insurers to communicate with the fastest drivers following accidents will help stop the ambulance chasing lawyers get involved, according to M. Hewett Octo.
This gives them more control over the claims process, providing better service to customers - and reduces costs.
It is as much about process efficiency as it is about the financial efficiency of an insurer, he said.
Cost is the main reason why the policies of telematics have made inroads in the market for car insurance because they offer savings of up to a third - often a short four-digit - for youth conductors.
However, now that telematics is increasingly linked to smart phones, the technology also encourages those who have less experience behind the wheel to drive more responsibly by giving them feedback on their performance.
Michael Lee, general manager of insurance services to the British insurer Hastings Direct, said that we use the data generated by our telematics products and proactively contact young drivers with poor driving scores - under 50 on a scale where 100 is the highest.
Although it is a labor process, so drivers see an increase in their scores of 60, M. Lee said, which means they are less reckless on the roads.
Image Law Octo Image Caption Smartphone applications and self-adjusting black boxes are increasingly popular.
Adrian Flux offers a black box self-adjustment for a smartphone app updated daily with details of driving performance - and the potential effect this could have on the annual premium.
It has proved very popular with young drivers and their parents who often foot the bill, the company said.
The motor insurance market for young drivers is very quickly reached a tipping point, according to Eyal Ofir Boston Consulting Group as telematics allows them to prove they are safe drivers and thus pay much lower premiums.
Such policies have so far not had great appeal to older drivers in the most developed countries because the potential savings are much lower, though rising policies that only use smartphone applications, as well as black boxes, with self-cheaper, begins to change the equation.
Image copyright Octo Telematics Image Caption Octo Telematics also provides not-as-you-drive insurance products for motorcyclists.
Mr. Eyal believes that the penetration of telematics will continue to increase over the coming years and help insurers cope with the growing demand for pay-per-trip policies and that most journeys are made in vehicles we do t possess.
It is to get the right technology for the right customers; it is not a one size, he said everything.
The challenge for the automotive industry is adjusting to changing consumer demand - the insurers will have to adapt their business models to adapt and provide services for different types of travel we will do in the future.
But question marks remain on all the data that cars begin to generate the way it will be accessible to consumers.
M. Lee doubt that car manufacturers will create a standard set of measures, so that insurers will be forced to learn how to handle the data from each manufacturer.
Image copyright Reuters Image Caption telematics data will be crucial to ensure the driverless cars.
But as telematics becomes widespread, regulators are likely to impose standards to enable data to be transferred between insurers in the same way as can be today-claims bonus, he believes.
The advent of autonomous vehicles presents another challenge.
M. Hewett said Octo data analysis will be essential to understand what happened - and the determination of the responsibility - if, for example, a car collided with a pedestrian driver.
Since a mixture of conventional vehicles, semi-autonomous and fully driverless could be on the world's roads for anything until next five decades, the need for data standards will become even more acute.
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Crash test technology resulting in lower auto insurance fraud BBC News, crash, test, technology.