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Accident Investigation

VIEWS: 1 PAGES: 22

									Accident Investigation Seminar

Craig A. Rowe
Manager – Insurance and Risk Administration
                    Seminar Goals
• Overview of current procedures
• Importance of collecting accurate information early in defending
  claims, determining causes, mitigating the loss, etc.
• Review of current accident forms.
• Review of new accident investigation form.
• Insurance involvement, including adjusters.
• Investigative techniques.
• Vehicle damage appraisal.
• Accidents involving injuries to third parties.
• Accident scene procedures: collection of relevant data, photos,
  witnesses, involved parties, diagrams.
• Police investigations.
• OHS involvement: Accidents involving employee injuries.
          Current Procedures
•   Claims Clerks
•   Senior Claims Officer
•   Legal
•   Accident Review Committee
•   Insurer/Adjuster
     Importance of Collecting Accurate
            Information Early
•   Defending Claims
•   Determining Causes
•   Mitigating the Loss
•   Preservation of Evidence
•   Quantifying the Loss
    Review of Current Accident Forms

•   Pros
•   Cons
•   Problems
•   Suggestions
Review of New Accident Investigation
              Form
• Suggestions?
• Discussion
                                                           Accident Report                                     No. 99999

General Details
Tod ay’s Date: D_ __M_ __ Y___ __ Ti me____ ___am/p m Accident Date: D___M ___ Y_____ Ti me_ ______a m/p m
Locatio n of Accident____ ______ _______ ______ _______ ______ _______ ______ _______ ______ _______ ______ _
Weather Conditions ____ _______ ______ _______ ______ Road Conditions________ ______ _______ ______ ______
Daylight___ Dusk___ Dark___            Repo rted to Po lice Y_ __ N___ Officer_ _______ ______ _______ ______ ____
Police File No.______ ______ _ Po lice Charges/Tickets Either Vehicle ______ ______ _______ ______ _______ ____

City O perator & City Vehicle Details                        Dep art ment _____ _______ ______ _______ _____
City Operator ___ _______ ______ ______ Employee No._____ __ Driver’s License ___ ______ _______ ___ Age____
Ho me Phone ______ ______ ______       Work Phone ____ _______ ______ __ Cell/Pager_ _______ ______ _______ ____
City Vehicle Type, Year, Make & Mod el __ _______ ______ _______ ______ _______ ______ _______ ______ ______
Unit No.__ ______ _______ ___ VIN _ _______ ______ _______ ______ _______ Plate No. _ _______ ______ _______
Reversing Y___ N_ __ Your Direction of Travel ______ _______ ______ ___ Your Speed ____ ___ kph
Describe Da mage to City Vehicle ______ _______ ______ _______ ______ _______ _____ Damage $_____ _______ __
Other Occupants _____ _______ ______ _______ ______ _______ Spotter(s) ____ _______ ______ _______ ______ ___
Employee(s) Injured _____ _______ ______ _______ ______ _______ ______ _______ ______ _______ ______ _______

Third Party Vehicle N o. 1                                      Third Party Vehicle No. 2
Driver _____ ______ _______ ______ _______ ______ __            Driver ___ _______ ______ _______ ______ _______ ___
Address __ ______ _______ ______ _______ ______ ____                    Add ress
                                                                        __ _______ ______ _______ ______ _______ ___
Phone No.s _______ ______ _______ ______ _______ __             Phone No.s _____ _______ ______ _______ ______ ____
Driver’s Licence No. ____ _______ ______ _______ ____           Driver’s Licence No. ___ ______ _______ ______ ______
Owner’s Name, Address & Phone No.s (if not d river)             Owner’s Name, Ad dress & Phone No .s (if not driver)
_____ ______ _______ ______ _______ ______ _______ _                    __ _______ ______ _______ ______ _______ ______ _
                                                                        __ _
Year/Type of Vehicle ______ ______ _______ ______ __            Year/Typ e o f Vehicle ____ _______ ______ _______ ___
Plate No. ____ ______ _ No. of People in Vehicle _____          Plate No. __ _______ __ No. of People in Vehicle ___ __
Insurer_____ ______ _______ __ Po licy No.____ ______           Insurer___ _______ ______ ____ Policy No .__ _______ _
Vehicle Damage ____ ______ _______ ______ $ ____ __             Vehicle Damage __ _______ ______ _______ _ $ ___ ___
Direction of Travel ______ _______ Speed ___ ____ kph           Direction o f Travel _____ ______ __ Speed _ ______ kph
Persons Injured: Give Na me(s), Address(s), Phone No.(s)        Persons Injured: Give Name(s), Address(s), Phone No .(s)
1.______ _______ ______ _______ ______ _______ ____             1._____ ______ _______ ______ _______ ______ _______
2.______ _______ ______ _______ ______ _______ ____             2._____ ______ _______ ______ _______ ______ _______

Witness No. 1                                                   Witness No. 2
Name ____ ______ _______ ______ _______ ______ ____             Name __ _______ ______ _______ ______ _______ _____
Address __ ______ _______ ______ _______ ______ ____                   Add ress
                                                                       __ _______ ______ _______ ______ _______ ___
Phone No.s _______ ______ _______ ______ _______ ___            Phone No.s _____ _______ ______ _______ ______ ____
In Which Vehicle: City_ __, T.P No. 1_ __, T.P. No. 2___        In Which Vehicle: City___, T.P No. 1___, T.P. No. 2_ __
Other Location (specify) _____ ______ _______ ______ _          Other Location (specify) ___ _______ ______ _______ __

Pro perty Da mage (Other Than to Vehicles)
Owners Name ____ _______ ______ ____ Phone _ ______ ___ Location ____ _______ ______ _______ ______ ______
Type of Prop erty _____ _______ ______ _______ ______ Describe Damage ______ ______ _______ ______ _______ _

Pedestrian___ , Motorcycle_ __ or B icyclist___
Name ____ ______ _______ ______ _______          Address __ _______ ______ _______ ______ _______ ______ _______ __
Phone No.s _______ ______ _______ ______ _______ ___ Type of Bike ______ _______ ______ _______ ______ ____
Insurer and Policy Nu mber o f M otorcycle __ _______ ______ _______ ______ _______ ______ _______ ______ _____
Describe Type and Colour of Clothing __ _______ ______ _______ ______ _______ ______ _______ ______ _______ _
Was a Hel met Used? Y___, N___           Other Protective Equip ment/Clothing __ ______ _______ ______ _______ _____
                                        Accident Diagram


                                   Same as existing but larger




                                     Accident Statement
   (If mor e than one occupant in City vehicle, each occupant must wr ite a separate statement)

Describe in Detail How t he Accident
Occurre d:_____________________________________________________

______________________________________________________________________________
_____________________________________________________________________________
______________________________________________________________________________
______________________________________________________________________________
______________________________________________________________________________

______________________________________________________________________________
______________________________________________________________________________
______________________________________________________________________________
______________________________________________________________________________
______________________________________________________________________________


____________________________                                ___________________________
City Operator (Signature)                                                     W itness
                                                                              (Signature)

____________________________
Date
           Insurance Involvement

•   Adjusters
•   Brokers
•   Insurers
•   Loss Ratio
•   Rates
•   Deductibles
    City’s Obligations to Insurers
•   Prompt Notice
•   Proof of Loss
•   Full Disclosure
•   Cooperation
•   Provide Documentation
•   Mitigate the Loss
•   Don’t Prejudice Their Position
 Elements of an Effective Investigation

• The amount of investigation depends on
  the complexity and severity of loss.
• Evidence must be collected and preserved.
                Evidence
• Proof to be used in settlements, denials and
  trial.
• Witnesses, documents, exhibits, objects.
• Must be relevant and material
               Witnesses
• Locating Witnesses: at the scene, ask
  people involved, canvass neighborhood.
• Interviewing Witnesses: ASAP, before
  memory fades, others obstruct perceptions.
• Hostile Witnesses: convince them by
  saying they can avoid court.
            Statement Taking
• Explain your role and theirs.
• Discuss generally before writing.
• Methods: telephone (only for small or non-
  complex), written narrative (written by them or
  you)
• Be accurate and complete. Statements are used
  in court to jog memories.
• Get statements from all people involved and
  witnesses for serious losses.
• Positive vs Negative Statements
           Statement Procedure
•   Written legibly in ink, or typed
•   Include all relevant information
•   Start open ended, then ask closed ended
•   No blank spaces
•   Initial all changes
•   Only take statement if person is of sound mind,
    not intoxicated, and if a minor, in their presence
    of their guardian
            Statement Content
• Who, what, where, when, why
• Written in first person “I did this or that”
• All relevant information in chronological order
• Full identity of person giving statement: name,
  address, occupation, drivers license number
• State date, time and where taken
• Include statement at bottom of statement, for
  example, “I have read the above statement and I
  believe it to be true and correct to the best of my
  knowledge”
             Vehicle Damage

•   City Vehicles
•   Third Party Vehicles
•   Other Property Damage
•   Appraisals
•   Total Losses
•   Repairs
    Accidents Involving Injuries to Third
                  Parties
•   More Information to Collect
•   More Accuracy Required
•   More Sensitivity
•   Prompt Reporting
         Accident Scene Procedures

•   Collection of Relevant Data
•   Photos
•   Witnesses
•   Involved Parties
•   Diagrams
          Police Investigations

• When Police Investigate
• When Police Must be Notified
• What the Police do in an Investigation
                  OHS

• OHS Involvement: Accidents Involving
  Employee Injuries.
Questions?

								
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