Allianz Adds On-Scene Digital Imagery to Speed Up The Claims Process

More insurance companies are switching to digital photos as the primary means of assessing damage, and establishing a certain level of evidence as regards blame, following an accident. Some do this via telematics, with the black box giving gyro information, braking force, impact speed, GPS location and so on.

Other companies in the claims sector, like We Go Look in the USA, offer an outsourced network of smartphone operatives, who travel to recovery yards or garages to assess the damage of vehicles, and then upload the images securely at the scene.

Now Allianz Worldwide Partners are the latest to utilise the latest technology with the launch of a digital end-to-end accident management and recovery solution for the insurance industry. The new service uses mobile technology to capture and share real-time digital images of the scene of the accident or incident, enhancing the speed of the assistance and claims process for the customer.

When the recovery operator arrives, they immediately assess and record the scene, taking digital photographs of the damage to the customer’s car, damage of the third party vehicle if required, as well as damage to the surrounding area, including tyre skid marks and road surface signs.

The provision of immediate ‘on scene’ photography means the claims team can quickly assess the situation and decide on the most appropriate claims process straight away. The system allows the recovery operator to make informed decisions, in partnership with the claims handler, deciding quickly whether a vehicle needs recovering to the owner’s home or a garage or if it needs to be written-off.

Lee Taylor, Chief Sales Officer for Allianz Worldwide Partners in the UK, comments, “From the moment a customer reports an accident, our new recovery solution allows us to quickly locate and assist them. The customer receives a mobile notification once a recovery operator is en route, including a link allowing them to track the progress of the operator via their smartphone or mobile device. We also gather vital information to support the claims administration, in turn reducing stress levels and streamlining the whole process.

“Our customers need us most when they are in stressful circumstances, such as a road traffic accident, and digital solutions can help us deliver the best level of care.  This launch is yet another step towards achieving our ‘Digital by Default’ ambition, harnessing the latest technology to enhance the customer experience every step of the way.”

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