By Nathan Chunn
Most people are aware of the information that can be collected from a vehicle's "black box". However, the information that can be obtained from the Infotainment Center in a vehicle is not as widely known. separately from the black box.
Almost all vehicles manufactured since 2015 have some form of IVI system. And whenever a device connects to the vehicle via a USB or Bluetooth, the information is dragged / dumped from the device in IVI. Unlike the black box, which only saves data in the event of a triggering event, such as a collision, data is recorded and saved within IVI at all times.
Insurance companies, such as Centralförsäkring, have been able to use data extracted from IVI to protect our insured from potential fraud. Here are some examples of how the data has been and can be used to protect our policyholders from attempted fraud:
- A person called the police and submitted a report that a policyholder hit his vehicle and caused damage to the vehicle and injuries to passengers. The insured refused to be involved, but the plaintiff had a police report and the insured's vehicle had some damage that was consistent with what was claimed. We retrieved data from IVI which confirmed that the vehicle was not involved in the loss.
- "Jump-in" is a common tactic used by fraudsters. This is where a person will tell the insurance company that there was a passenger in a vehicle that was hit by an insured and that they were hit by damage as a result. This usually happens in minor accidents where the police are not notified. The information from IVI can tell us how many were in the vehicle and catch the attempt to jump in.
- IVI data can show if someone texted, called or used apps on their phone in a collision.
There are many ways that this information can be used in investigations and insurers will continue to use technology to combat fraud and protect their policyholders.
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