VERIFICATION OF MOTOR VEHICLE POST ACCIDENT INSURANCE CLAIMS

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Transport Problems

Silesian University of Technology

Subject: Economics, Transportation, Transportation Science & Technology

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VOLUME 15 , ISSUE 1 (March 2020) > List of articles

VERIFICATION OF MOTOR VEHICLE POST ACCIDENT INSURANCE CLAIMS

Piotr ALEKSANDROWICZ *

Keywords : verification of vehicle damage claims; fraud; SDC method

Citation Information : Transport Problems. Volume 15, Issue 1, Pages 25-38, DOI: https://doi.org/10.21307/tp-2020-003

License : (CC BY 4.0)

Received Date : 15-November-2018 / Accepted: 28-February-2020 / Published Online: 26-March-2020

ARTICLE

ABSTRACT

Use of a vehicle involves a risk of collision and, consequently, high costs of post-accident repairs. Therefore, if there is no insurance cover and the repair must be paid by the vehicle owner, some of them choose to file fraudulent insurance claims as the damage can be very difficult to verify. Payments of undue damages pose a major social and economic problem. This article deals with these problems and puts forward a proposition of insurance claim verification by means of a new research method to increase the efficiency of detection and elimination of such claims. This new method requires division of the damage-verification process into static analysis (S), dynamic analysis (D) and analysis of characteristic damage (C). The obtained results show that insurance companies have had problems with selection of appropriate research methods to verify the insurance claims. Application of the proposed new method allows to reduce payments of undue damages and the costs of court proceedings.

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REFERENCES

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