A problem of car insurance frauds usually refers to reporting non-existent car crash circumstances to acquire the funds required for a car repair. However, the problem is not limited only to this kind of costs. Recently, numerous damage claims connected with spine trauma caused by rear-end collisions have been reported. These are the so-called whiplash injuries caused by a rear impact. Such damage is difficult to verify and hence a necessity to use more effective claim verification methods. An analysis of a collision in the SDC convention makes it possible to determine whether its circumstances were consistent with the reports of drivers involved in it. The aim of the analysis presented in this article has been to determine a possibility of using SRS-AIRBAG activation parameters to determine, with the SDC method, whether the circumstances of a collision reported were consistent with those responsible for a whiplash injury. The article provides an analysis of a series of rear-end collisions of vehicles moving in a column. The results have proven that the SDC procedure can be applied to verify the probability of a whiplash injury. With the above, this study is both academic and practical, and the results can provide benefits to vehicle collision researchers, experts, and students.
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.
The number of motor vehicles in the European Union (EU) is constantly increasing, which is causing an increase in the traffic volume. This, in turn, boosts the economic development of the EU member states. However, an increase in traffic volume leads to road collisions and accidents, which lead to high repair costs. Some accident victims report fake vehicle damage to extort money for repairs. There are criminal groups that stage accidents for this purpose; thus, these claims are very difficult to verify. Thus, it is not enough to verify the sustained damage only by comparing the geometric parameters of the impact traces. New, modern research methods with simulation programs need to be used in order to reconstruct the course of an accident. The SDC (Static Dynamic Characteristic method) provides the possibility of vehicle damage verification, according to this convention. However, simplified modelling with the use of simulation programs involves the necessity of identification of input parameters in order to reconstruct a collision and the vehicle’s post- collision movement. If the input parameters are not correct, the simulation results will also be incorrect, which will have a direct impact on the parties involved in potential legal proceedings, both civil and criminal. This study deals with the identification of the impact parameters and sensitivity of the simulation results to input data. Impact verification with the SDC method shows both a knowledge enhancement and a practical value. They can be used by experts, expert witnesses, computer programmers, researchers and students.
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