Crash for Cash UK Top 20 Hotspots

by TTWpartners

Crash for Cash

Are you aware that organised gangs are staging car crashes to commit insurance fraud? As part of a national scam worth roughly £400m a year, criminals are orchestrating accidents to make fraudulent insurance claims, the profits of which are used to fund other crimes, including illegal firearms and drug smuggling.

Crash for Cash scams are not a victimless crime. As honest policyholders we pick up a collective bill for fraud through increased premiums. Are you happy giving fraudsters £50 of your money each and every year?

Contact Cheatline anonymously on 0800 422 0421 if you know anything about crash for cash scams or use their dedicated anonymous online form. Information about crash for cash scams cannot be accepted by Crimestoppers, instead the dedicated Cheatline telephone number or anonymous online form should be used.

Cheatline is an anonymous fraud reporting service powered by Crimestoppers.

Crash for Cash infographic_Nov2013_1200

Induced Incident – How it works
  • The Frame – the car in front slams on its brakes for no obvious reason giving the victim no time to prevent a collision.
  • The Blame – they insist that it’s the victim’s fault and give them their name and address and the details of their insurance company, sometimes already written down on a piece of paper.
  • The Claim – A few weeks later (though sometimes longer) the victim will receive a letter from their insurance company notifying them of a grossly exaggerated claim including the costs of a recovery vehicle, car hire and whiplash injuries to passengers, none of which actually happened.
Insurance Fraud Bureau report

You can find out more in a report published by the Insurance Fraud Bureau (IFB)

Induced Accidents

‘Crash for Cash’ fraudsters are “gambling with the lives of UK motorists” and costing honest policyholders nearly £400 million every year, according to a report published by the Insurance Fraud Bureau (IFB).


The IFB was set up in 2006 to clamp down on organised insurance fraud – to disrupt criminal gangs and protect consumers from the effects of fraud. You can find out more about the IFB on their website.

taken from this site:

Drivers using ‘dash cams’ to fight fraud

by TTWpartners

Drivers using ‘dash cams’ to fight fraud

More and more drivers are using in-car cameras to help prove their innocence in road accidents, according to new research.


Motorists in the UK are increasingly installing in-car or dashboard cameras in their cars to prove they are not at fault for crashes.

The in-car video cameras, which record the driver’s view from the windscreen, are designed to film journeys and capture events before, during and after a collision.

A new study by motoring organisation the AA has revealed that while only a small amount of its customers currently use the “dash-cams”, a growing number are expressing interest in them.

39% of drivers interested in dash-cams

The AA survey showed that 39 per cent of drivers would be interested in installing the cameras in their vehicles.

Some 29 per cent said they were not aware such devices existed, while 32 per cent said they had no interest in the cameras.

One per cent of the 25,000 people surveyed already had the cameras installed.

Some of the motorists already using dash-cams, which can cost up to £300, are employing them as a tool to combat so-called “crash for cash” fraudsters.

Cameras used to combat ’crash for cash’

These frauds are based on deliberate or invented collisions and the exaggerated or fictitious claims which result.

The Insurance Fraud Bureau has estimated such fake accidents are costing drivers almost £400 million a year.

Ian Crowder, an insurance expert at the AA, said: “It is the ‘crash for cash’ scams that have focused interest in the use of dash-cams.

“They can be of benefit in the event of a collision and the police would use such evidence, as would an insurer, in helping determine the circumstances of the event.

“They are already widely used in some countries like Russia, Poland and Japan.

“Unfortunately it is a sad thing that we would need to use these devices to demonstrate someone is being dishonest.”

Will dash-cams become mainstream

Matthew Paterson, head of liability claims at car insurance provider Admiral, says the industry is still unsure whether the market for dash-cams in the UK will continue to grow.

He said: “It’s hard to say whether they’ll become more widely used in the UK.

“The fraud issue in the UK is not quite as prevalent as other countries, and people won’t anticipate a situation where they’d require filmed evidence to help them.

“So while the evidence from dash-cams may be something insurers would like in determining liability and combating fraud, I’m not convinced they’ll become a big factor in the UK any time soon.”

Car collision on main road

Tristar Worldwide, a chauffeur company based in Middlesex, fitted dash-cams to all of its 460 vehicles in May.

Its fleet manager, Janusz Kozlowski, says the cameras have already resolved collision disputes and seen the company’s at-fault accident rate halved.

He said: “I expect the company to make savings of up to £60,000 a year based on fewer accidents and because we will be less likely to be targeted by ‘crash for cash’ fraud.”

Insurance discount for dash-cam drivers

Insurance company Adrian Flux has been offering a 15 per cent discount to drivers who install an approved dash-cam since spring 2012.

However, in general dash-cams are still not widely recognised by insurers at present.

AA car insurance expert, Crowder, added: “At the moment dash cameras are not a requirement for car insurance companies.

“However, if they were to become more widely installed by drivers then insurance companies ultimately will take a greater interest.

“They can be equally useful for insurers but motorists will be well aware that the recording could highlight their own driving error as well as those of others.”

article taken from here:

VEP Awards – Commended Best Distributer 2013

by TTWpartners

TTW Group have also won runner up and commended as best distributer at the 2013 VEP awards.

VEP2013_Commended_Best Distributor - TTW Group

VEP2013_Commended_Best Distributor – TTW Group


Renault Cars take the MI-Witness HD as the camera of choice for there approved Accessory range

by TTWpartners

Mi-Witness Approved by Renault UK

Renault Cars take the MI-Witness HD as the camera of choice for there approved Accessory range

Things are about to change in the in vehicle camera market and TTW Group is at the forefront of this change. Renault Cars will be supplying the MI-Witness HD camera; it will be available through Renault Sales and Parts departments. Within a short period of time there could be 30 thousand extra cameras on the UK roads.

Rise in dashboard cameras recording drivers’ mistakes

by TTWpartners

The popularity of dashboard cameras has led to a surge in motorists sending evidence of dangerous driving to police

Rise in dashboard cameras recording drivers' mistakes

Rise in dashboard cameras recording drivers’ mistakes

After a Vauxhall Vectra crossed two solid white lines and sped past Steve Warren on the wrong side of the road on a foggy, damp morning last month, the 48-year-old business consultant didn’t beep his horn in rage, flash his lights or even look round in the vain hope that a police officer had been watching.

Instead, Warren, from Burton-on-Trent, Staffordshire, pressed a red flashing button on a small video camera attached to his windscreen, storing the previous minute’s worth of footage. Later that evening he uploaded the video to a website where it was reviewed before being forwarded to local police as evidence of dangerous driving.

A few days later Warren received a phone call from the police: thanks to his footage the Vectra driver had been traced and was to be prosecuted for dangerous driving.

Welcome to the brave new world of citizen traffic cops, where every car on the road is a potential spy and no traffic violation goes unrecorded. Unlike other types of vigilante, however, these drivers have the support of police forces, which are increasingly using evidence from members of the public to prosecute road offences.

The trend is being driven by the popularity of dashcams — video cameras attached to the dashboard that record footage of the road ahead. Originally adopted by drivers as protection against being victims of a “crash for cash” insurance scam, the cameras’ potential to record other incriminating manoeuvres on the road was quickly spotted.

Police Witness, a company that sells dashcams, rapidly introduced a function on its website that allows drivers to post footage of bad driving. The videos are reviewed to ascertain the strength of the evidence then forwarded to the relevant police force.

Alan Featherstone, assistant chief constable of Northamptonshire police before retiring four years ago to set up Police Witness, says the website receives at least one video a day, and that dozens of motorists are thought to have been punished as a result. “There is virtually no chance of a motorist being dealt with by a police officer at the side of the road nowadays,” says Featherstone. “Patrol officers don’t pull drivers over any more and traffic officers are restricted to motorways and dual carriageways.

“For any police service in the country to reject the assistance of the public in this way would be ludicrous, especially as this is not a trivial subject: motoring standards are very, very poor.”

According to the company, drivers in Leicestershire, Northamptonshire, Essex and West Yorkshire have been prosecuted using evidence primarily from dashboard cameras. One motorist had a vehicle seized for driving past a queue of traffic up the middle of a road; another is being prosecuted for careless driving after manoeuvring a car down a cycle lane. A third motorist received a fine and penalty points when caught parked in a bus stop.

Some police forces are setting up their own systems for processing the footage. The Metropolitan police in London have developed a website that allows drivers to upload footage directly after a major incident, while Northamptonshire police say they have officers dedicated to assessing and reviewing footage sent in by the public, which can then be used in prosecutions.

Chief Inspector Mark Bownass, from West Yorkshire police’s roads unit, says: “The use of dashboard cameras can be a valuable aide to securing convictions for road-related offences. If people are willing to provide us with a statement and the accompanying footage identifies a suspect vehicle and is of sufficient quality, we will always investigate any incident we are made aware of.” Police, however, usually have only 14 days in which to take action.

The trend for recording traffic offences was started by cyclists, who took to wearing cameras mounted on their helmets to record car drivers who cut them up. The footage was posted on websites such as YouTube in an effort to shame the offending motorists.

However, police began to take a serious interest in such amateur footage only in the wake of the London riots in 2011, according to Guy Dehn, a barrister who is behind Witness Confident, a charity that encourages the public to report more crimes.

“The power of ‘crowd sourcing’ is something the police are recognising as the future,” he says. “You can see how effective it was during the London riots, when police encouraged people to send amateur footage of rioters to them so they could use it to identify criminals. Video from cars is a logical next step. As more people now have compelling evidence, the police and courts need to make it easier for witnesses to use it.”

Yet to many people the growth in the use of cameras to capture the misdemeanours of others is unsettling. Critics say it is creating a climate of fear, where even minor mistakes are recorded by an invisible army of curtain twitchers. “If this is being used to catch serious offenders then it is a good thing, which will keep our roads safer,” says Paul Watters of the AA. “The problem is if everyone is spying on everyone else you could see a flood of prosecutions and fines for relatively minor misdemeanours or genuine mistakes.”

Police say they are merely following government guidelines when they encourage motorists to report dangerous driving. In a 2010 report entitled Policing in the 21st Century: Reconnecting Police and the People, Theresa May, the home secretary, said: “It is not just the state that can cut crime. The role of the public has been clear since Sir Robert Peel stated ‘the police are the public and the public are the police’. Individuals and neighbourhoods with active citizens can help prevent crime and antisocial behaviour and help the police to keep their area safe.”

Matt Stockdale, the co-founder of the Police Witness website, says the police are grateful for any help they can get. Forces are already wondering how they are going to use their powers to issue new fixed penalty fines for offences such as tailgating, lane hogging and undertaking at a time when traffic police numbers are falling. The latest Home Office figures reveal that there are 4,675 dedicated traffic officers on roads in England and Wales, down 4% from last year, when there were 4,868.

“We act as a filter because police don’t want to receive thousands of videos of what people perceive to be offences,” says Stockdale, whose website charges a £59.99 annual membership fee (free for anyone buying a camera from the site). “But it also helps prevent road rage. Instead of getting mad at a driver, motorists with a camera can feel a sense of satisfaction — they can just smile, wave and deal with it later. We’re not talking about vigilantes: just people who care about their own property and who want to travel safely.”

How do drivers who report other motorists see themselves? “I’m not a wannabe police officer,” says Warren, who drives a Volkswagen Caddy van. “I’m just fed up with being cut up and seeing dangerous driving. If I was a vigilante, I would have reported dozens of drivers by now for speeding or minor mistakes. But I’ve only reported the one driver: he could have killed someone if they had been waiting in the middle of the road to turn right.

“If the cameras make these drivers think that they might get caught if they drive dangerously, then that’s fantastic.”


Taking action

Drivers with a dashboard camera who spot a motorist breaching the Highway Code can send footage directly to a police force or report the incident through a dedicated website such as Police Witness.

Police Witness asks for the incriminating evidence to be uploaded to YouTube using secure settings so only individuals with a specific link can view it.

The person uploading the video fills in an online form on the Police Witness site describing the incident and giving the secure YouTube link.

Staff at Police Witness review the evidence and if it is thought that it could support a prosecution, the relevant police force is identified and the footage sent to it.

The person who filmed the incident may be contacted by police and asked to provide a witness statement.

‘Flash for crash’ tactic on the rise

by TTWpartners

Motorists are being warned about a dangerous new tactic being employed by criminals running ‘crash for cash’ fraud rings

Flashing headlights to entice innocent drivers into the path of a deliberate collision at junctions or whilst exiting fuel stations has emerged as a worrying trend since the turn of the year.

As Police, insurers and authorities clamp down on the traditional modus operandi of roundabout rear-end accidents, automotive anti-fraud investigation specialist, APU, has identified the new, more complex, method.

Dubbed ‘flash for crash’ by APU’s team of former-Police officers and forensic data investigators, the new tactic makes it harder for an innocent party to prove fault in the event of a legal dispute.

Some 380 false insurance claims are made daily, costing the motor industry £1.7m a year and pushing up insurance premiums.

‘It is yet another example of how criminal gangs are becoming more sophisticated and attempting to stay one step ahead of suspicion,’ said Neil Thomas, APU’s director of investigative services and former detective inspector of West Midlands Police.

‘The adoption of flashing headlights and beckoning the driver results in a ‘your word against mine’ situation when it comes to apportioning blame. By appearing to offer the right of way, the criminal simply continues his journey into a collision, holding the victim at fault for turning across him which, of course, cannot be denied under law.’

Each ‘accident’ can net the gangs tens of thousands of pounds in a variety of ways.

Firstly, they put in false personal injury claims for whiplash, sometimes including claims for people who were not even in the car. Added to that, they might charge the insurance company for loss of earnings,then they put in fake bills for vehicle storage, recovery, repairs, and replacement car hire.

In the more traditional rear-end shunt, criminals deliberately cause accidents by braking sharply in front of victims for no reason. They often also remove brake lights in order to reduce the victim’s reaction time.

The latest tactic sees cars lying in wait for victims to exit from shops, car parks or fuel stations. The fraudster flashes their headlights, offering the victim a right of way to join a main road, but then speeds up to ensure their car is hit side-on.

Detective inspector Dave Hindmarsh from the Metropolitan Police said: ‘The problem is a growing problem. Financially it costs insurers £392m a year – that impacts on motorists as it’s an extra £50 to £100 on every person’s premium so that’s a financial cost.

‘[There are] emotional costs [as] if you’re involved in a crash you could well lose your confidence, and if your passengers are children they may well become wary of being passengers in cars, and of course you may get injured or killed.’

The Insurance Fraud Bureau is currently investigating 49 rings, responsible for around £66m in false claims.  In the five years since its inception, APU has been instrumental in the successful conclusion of some of the biggest motor fraud cases ever prosecuted in the UK, including the sentencing of fraudster Masi Naqshbandi, who was jailed for seven years and three months for staging 260 fake accidents over a 15-month period, netting around £6.5 million in false insurance claims.

Neil said that, while motorists should be vigilant for any suspicious activity on the road, they should, at all times, maintain their concentration on the basic rules of safe driving.
APU is uniquely staffed by former Police officers and forensic data analysts who marry innovative technology and real-world police processes to identify fraudulent activity, protect insurer liability and help reduce insurance premiums.

Generally speaking, drivers are not meant to flash their lights to let people out onto busy roads. It is meant to be used as a warning.

From The Highway Code: ‘Flashing headlights. Only flash your headlights to let other road users know that you are there. Do not flash your headlights to convey any other message or intimidate other road users. Never assume that flashing headlights is a signal inviting you to proceed. Use your own judgement and proceed carefully.’

Crash for Cash Schemes Becoming a Nationwide Problem in the UK

by TTWpartners

Crash for Cash Schemes Becoming a Nationwide Problem in the UK

Please watch the above link from a BBC news article about crash for crash being a nationwide problem in the uk

Witness / Dash Cams & The Law

by TTWpartners

Is it ok to film people on the road without their knowing?
There’s no invasion of privacy if you are filming in a public place, so using a dashcam on the road is perfectly legal.

Is the footage admissible in a court of law?
Yes. But you should resist, say, uploading the accident footage to You Tube because if the incident subsequently became the subject of litigation, that might affect the outcome of the case.

What will happen if i have to use a video as evidence?

The person who was present when the video was taken will have to come to court to be questioned about how it was made and to confirm it hasn’t been tampered with. In practice, videos can provide vital evidence when working out exactly what happened in an accident. We often see cases where the existence of a good video helps brings about an early settlement.

Can my own dashcam footage be used against me as evidence?

The court requires the parties involved in litigation to produce all evidence in their possession, whether favourable to their claim or not. A dashcam video that indicates you were at fault certainly could be used by the other party against you. If you delete the video an adverse inference could be dran from that act.

Ref from Sunday Times – Driving article
Susan Brown, director at city law firm prolegal




Mi-Witness Voted Sunday Times Driving ‘Best Buy’ 5*

by TTWpartners

We are very pleased to announce that the Mi-Witness Accident camera has been awarded Sunday Times Best Buy 5* Rating.

Mi Witness Best Buy 5* - Sunday Times - Dash Camera

Mi Witness Best Buy 5* – Sunday Times – Dash Camera – click image to view

Verdict: Unobtrusive, simple to set up and use, plus good software, 5*****


Mi Viewer Software For Apple Mac

by TTWpartners

The Apple Mac desktop software for the Mi Witness is now available to download.  Mi Witness customers please  login into your customer area to download the full version.


Mi Viewer Software Release V3 – Now Includes – Street View

by TTWpartners

We have just released a new Mi Viewer update.

In this update – (ver B1.1.0)

1) Now has street view option as well as std google maps
2) This fix for  the current API issues with google maps.

To download this update please log into you MI Viewer area here and go to downloads

A Northampton man has been found guilty of dangerous driving, after being filmed on another motorists in car camera

by TTWpartners

A Northampton man has been found guilty of dangerous driving, after being filmed on another motorists in car camera

This is thought to be the 1st time that video evidence of a traffic offense has been filmed by the member of the public. The film has been used by Northamptonshire Police to get a conviction in Northamption court.

The person convicted is 48 year old Adrian Maynard – he received a 12 month disqualification with a mandatory re-test due to the camera’s evidence & 40 hours of unpaid work.

Please read the full article here:

A truck driver could lose his licence after he was captured on a hidden in-car camera driving dangerously while on a Northamptonshire road.

Adrian Maynard, aged 48, of Springwood Court, Northampton, was yesterday convicted of dangerous driving after he was taped swerving to overtake on the A508, near Stoke Bruerne.

He was captured on film by the driver he was overtaking, who had a secret camera attached to the windscreen. The device was recording the road ahead of him.

The landmark conviction is a first for Northamptonshire and is believed to be the first of its kind in the UK. It could open the door to thousands of similar prosecutions.

Northampton Magistrates’ Court heard Maynard was driving along the A508, towards Northampton, at about 2.30pm on Sunday, May 27, last year, when he caught up with a line of slow moving traffic.

He then swerved into the oncoming lane, crossing two solid white lines to overtake, before veering back into his lane between two bollards.

A clip of the manoeuvre was played in court.

Maynard admitted he was driving the Vauxhall Tigra on the day but denied the overtaking manoeuvre was dangerous.

Magistrates, however, convicted him of dangerous driving and disqualified him from driving for 12 months. He was also sentenced to 40 hours of unpaid work. Maynard, who told the court he is an agency driver who drives 7.5 tonne trucks for a living, told magistrates he will appeal and the sentence was suspended pending the outcome of any appeal.

Maynard has until March 27 to appeal the ban.

A FIRM that promotes the use of hidden car cameras has said there are now “tens of thousands of the devices” in use in the UK.

The landmark conviction of Adrian Maynard for dangerous driving yesterday came after supported his prosecution.

The firm’s chief executive Matt Stockdale said: “This is a huge landmark. For a member of the public to bring a successful prosecution is absolutely huge. There are fewer and fewer police officer on our streets but this just goes to show you, or I, can make a difference.”

the original article can be found here

In Vehicle camera systems are now regarded in the top 5 of the best solutions to help reduce your Fleet insurance…..

by TTWpartners

Fleet Management

In Vehicle camera systems are now regarded in the top 5 of the best solutions to help reduce your Fleet insurance…..

Insurance premiums have continued to rise, long after the financial contraction which first squeezed the underwriting markets started to ease.

Comparison figures for commercial insurance are hard to come by, but consumer comprehensive insurance has gone up by a staggering 40% between March 2010 and March 2011, according to the AA’s British Insurance Premium Index.

However, there are actions fleets can take to control costs.

There are two factors controlling premiums. One is claims history; the other is putting together a convincing package of measures which will convince an underwriter your future risk will be lower.

Tim Carder, underwriting director for Towergate Underwriting Transportation, says: “I want to hear a positive story which convinces me to offer a competitive rate – but you have to be serious about risk management. Paying lip service to it doesn’t work.”

Best practice advice from the insurance sector to keep your premiums low

Risk management begins with risk assessment Work with your insurer to analyse your claims history and highlight areas for improvement.

“Make employees aware that you will monitor accidents and take action where necessary, such as retraining,” says Richard Flint, head of transport at North Yorkshire Police.

2 Driver training Many insurers offer driver training programmes through partners – such as Zurich with suppliers like Greenroad – and all will take into account defensive driver training.

Not all insurers give upfront discounts but an improved claims record should be swiftly recognised.

3 Manage young drivers Mike Smith, commercial motor technical manager at Aviva, makes the point that young drivers, aged 17-20, are twice as likely to make an insurance claim as any other driver, and on average the claims cost will be three times higher, and 10 times more likely to involve severe bodily injury.

“Look closely at your policies for young drivers. Many young driver claims happen at night, so are young drivers allowed your vehicles for personal use? Review your procedures for training young drivers,” he says.

4 Combine insurances Insurers like Fusion, part of the Towergate group, offer combined public liability, employee liability and fleet insurance.

“This can offer economies of scale,” says Carder.

5 Use camera technology Forward facing cameras can provide invaluable data for defending claims or swiftly settling at-fault claims. They are particularly effective against crash-for-cash scenarios; organised  fraudulent vehicular claims currently costs the industry £350m a year.

6 Renew policies in good time and after proper review Don’t pay for unnecessary extras. “Don’t take windscreen cover; it’s as cheap for you to replace as for your insurer, so why pay the middleman?” says Fleet Cover broker Paul Greenwood.

7 Self-insure – or at least raise your excess “We only cover for third party,” says Phil Redman, fleet manager at IBM UK.

8 Provide good vehicle security “We pay a lower premium because we have Cybit trackers hidden in every van so if it’s stolen we can pinpoint its location instantly,” says Rob Paddock, logistics and distribution manager at Commercial Group.

9 Telematics The business case for telematics in car fleets may be less compelling than for vans and HGVs – but, says Carder, “if you have it, make sure you put the time in to exploit the health and safety benefits”.

Action to take to reduce the cost of insurance claims

1 Claim fast (part one) Mike Smith, commercial motor technical manager at Aviva says: “The average cost of bodily injury claims is increasing by 30% every year. Ensure drivers report claims, especially fault claims involving third parties, immediately. It really is case of every hour counts.” In cases of injury, insurers often even have preferred doctor and rehab arrangements, where costs can be controlled.

2 Claim fast (part two) Even in non-injury cases, third parties can be given expensive credit hire vehicles which are then charged back to your insurer. The sooner you claim, the more control insurers have over costs.

3 Claim fast (part three) The Ministry for Justice brought in new rules, giving insurers 15 days for information gathering leading to fast, non-litigious resolution. Break the deadline and costs spiral.

4 Be honest and encourage drivers to be honest Tim Carding, underwriting director at Towergate Underwriting Transportation, says: “If you are at fault say so. The longer you fight a battle you know you’ll eventually lose, the more it costs.”

5 Tracking can help with this speed as well as duty of care Paddock says when one of his vans had a collision: “I was there before the police were because the tracking pinpointed it to a couple of yards.”

Original Article can be found here

Dash-cam footage is the only real way to substantiate your claims in the court of law

by TTWpartners

Dash-cam footage is the only real way to substantiate your claims in the court of law. Forget witnesses. Hit and runs are very common and insurance companies notoriously specialize in denying claims. Two-way insurance coverage is very expensive and almost completely unavailable for vehicles over ten years old-the drivers can only get basic liability. Get into a minor or major accident and expect the other party to lie to the police or better yet, flee after rear-ending you. Since your insurance won’t pay unless the offender is found and sued, you’ll see dash-cam videos of post hit and run pursuits for plate numbers.

And sometimes drivers back up or bump their pre-dented car into yours. It used to be a mob thing, with the accident-staging specialists working in groups. After the “accident,” the offending driver — often an elderly lady — is confronted by a crowd of “witnesses,” psychologically pressured and intimidated to pay up cash on the spot. Since the Age of the Dash-cam, hustle has withered from a flourishing enterprise to a dying trade, mainly thriving in the provinces where dash-cams are less prevalent.

Dash-cam Supercut

The Mi Witness Dashboard camera is the perfect solution to protect yourself against false claims. Insurance fraud has existed ever since the beginning of insurance as a commercial enterprise.[1] Fraudulent claims account for a significant portion of all claims received by insurers, and cost billions of dollars annually. Types of insurance fraud are very diverse, and occur in all areas of insurance. Insurance crimes also range in severity, from slightly exaggerating claims to deliberately causing accidents or damage. Fraudulent activities also affect the lives of innocent people, both directly through accidental or purposeful injury or damage, and indirectly as these crimes cause insurance premiums to be higher. Insurance fraud poses a very significant problem, and governments and other organizations are making efforts to deter such activities.

In-Vehicle Cameras – A Useful Tool in Fleet Safety Management

by TTWpartners

In-Vehicle Cameras – A Useful Tool in Fleet Safety Management

Once a taboo that sparked discussion of Big Brother and scared many employees, camera systems have finally come into the norm and are being recognized by employers as a useful tool in their fleet safety management efforts. Drivers have come to realize that, in the absence of other evidence, having a camera onboard may influence a positive outcome in the case of an accident.
While actual results will vary depending on your fleet size, vehicle type, etc., it has been reported from various groups that camera systems can reduce at-risk driving behaviors by 50-70%. By reducing the at-risk behavior, the likelihood of an accident is also reduced.

Many factors go into selecting a camera system. Some of the more important items to consider are:

•    First and foremost before installing a camera system in fleet vehicles, be sure to consult legal counsel to establish the legality of such a system.  This is especially true in for-hire circumstances when the general public is transported.

•    Cameras are available in many different configurations with various options, settings and sensors. Do you need inward as well as forward facing cameras? Do you need a sensor system that will detect all angles or just one? With a sensor that detects all angles, you will most likely be able to capture excessive swerving and erratic turns while just a single sensor will most likely just capture hard breaking, hard acceleration and impact. Do you need a GPS? While this feature is standard in many models, don’t assume all cameras are so equipped.

•    One of the first things to consider is how the data will be retrieved from the camera. Depending on the quality and frame rate settings, the files can become quite large. Couple that with a driver who creates numerous events and the resulting data files can become massive.  Additionally, downloading data automatically via WiFi brings a multitude of technical issues and may even pose a problem with network capabilities, so be sure to ascertain compatibility before purchasing a particular system.

•    Durability and tamper resistance are important factors to consider when selecting a camera.  Regardless of the amount of education and training an employee receives, there will be some who may fear or feel intimidated by the presence of an onboard camera.  Be certain to choose a camera that will withstand long-term use as well as be resistant to any alteration which will compromise the integrity of the system.

In closing, there are many options available when it comes to onboard camera systems.  Determine your needs and research all avenues.  And be certain to “test drive” any system prior to purchasing to avoid an unwise investment.

article source

If you need advise on vehicle cameras for your Fleet, please call us on 01159 599 995 for the Mi Witness Range