AUTOFORE Study on the Future Options for Roadworthiness Enforcement in the European Union

Size: px
Start display at page:

Download "AUTOFORE Study on the Future Options for Roadworthiness Enforcement in the European Union"

Transcription

1 AUTOFORE WP540 - The non-periodical inspection of vehicles after accidents Contents 1 Inspection after Accidents Increased Road Safety Reduction of Vehicle Theft Reduction of Illegal Work Consumer Protection Prevention of Fraud Financial Benefits The Views of Different Groups Examples for the Inspection after Accidents Possible Inspection Scheme Way of Reporting Way of Inspection Recommendations Comments to the BAST - Research Report Inspection of vehicles after severe accidents by Prof. Dr. Klaus Rompe (January 2002) Page 1 of 20

2 1 Inspection after Accidents After an accident the roadworthiness of a vehicle is, depending on the crash severity, reduced or not existent at all. This case is actually already incorporated in the existing regulations. A vehicle always needs to fulfill the safety and environmental requirements. This compliance with the law is within the regular vehicle inspection performed by inspection organizations and within the irregular vehicle inspection (here: roadside inspection) checked by police forces. This existing roadworthiness assurance system already is very comprehensive. Still, too many vehicles, for a too long period of time are not incorporated into this scheme. This creates the need for an additional irregular inspection, which deals with the roadworthiness after accidents. Many benefits are attributed to this additional inspection: - Increased Road Safety - Reduction of Vehicle Theft - Reduction of Illegal Work - Consumer Protection - Prevention of Fraud 1.1 Increased Road Safety Vehicles involved in road traffic accidents certainly have, due to the occurred damage, a lowered roadworthiness level. The remaining grade of roadworthiness depends on the crash severity. This starts at still fully roadworthy, for example little scratches at the paint surface and ends at out of service, for example a totally wrecked car. Any vehicle, which has a roadworthiness level other than still fully roadworthy, needs to be repaired. Otherwise, it is a threat to the general road traffic. Most of the vehicles involved in an accident get fixed. Differences exist in the way they get repaired. These are the extent and the quality. This mainly depends on the individual economical situation of the vehicle owner and conclusively on the vehicle s age. Also the vehicle owner s attitude towards road safety is an important factor. Older vehicles tend to be repaired on a low quality level and the most essential / obvious parts only. The main possibilities to repair a vehicle are: - Garages Owned / Franchised by Vehicle Manufacturers - independent garages - Do It Yourself Garages Owned / Franchised by Vehicle Manufacturers The highest quality of the repair can certainly be attributed to the garages owned / franchised by vehicle manufacturers. This is mainly due to the extensive vehicle type specific knowledge and the availability of special tools. Other factors are quality assurance systems and the typical customers of these garages. Usually, the customers of these garages own a newer car and have a relatively good economical situation. This often includes comprehensive car insurance. Page 2 of 20

3 Independent Garages A little lower quality of the repair can be expected from independent garages. The reasons are the missing vehicle type specific knowledge and missing special tools. Further, the independent garages have their own typical customers. They tend to own an older vehicle and have an average financial background. This makes them leaving out the one or the other repair. Do It Yourself Compared to the other two, the do it yourself method certainly has the lowest quality of the repair. Often the appropriate knowledge and appropriate tools are missing. Further, the most essential parts will be provisionally repaired, only. A good example for this is the electronically controlled safety system. This is expensive and difficult to repair. Basic, rather than comprehensive, car insurances are typical for this group. The previous classifications are meant to describe the average. There are exceptions. For example, a do it yourself repair can be of much higher quality than one in a professional garage. To put the classifications in an appropriate context, Germany is taken as an example. The distribution for accident related repairs in Germany in the year 2004 is the following one. Percent Type of Repair 52% in Garages owned / franchised by vehicle manufacturers 35% in Independent garages 10% Do it yourself 3% Not specified DAT Report 2005, KFZ-Betrieb These percentages show that many vehicles are not repaired on the highest possible quality level. The garages owned / franchised by vehicle manufacturers are not excluded from faults done at a repair. The lower the repair quality is, the higher is the amount of faulty performed repairs and therefore the probability of being involved in an accident / having an accident of higher severity. Germany has about 54.5 million (2004, BASt) vehicles. According to official records 2.3 million (2004, BASt) vehicles are annually involved in an accident. According to independent estimations (Rompe, TUEV R/B-B, 2001), passenger vehicles only can be accounted for 5 million accidents. The large difference is due to not reported single accidents or not reported accidents of low severity. This large unknown number of not reported accidents probably increases the percentage of do it yourself repairs. Even a very low percentage of faulty or partly repaired vehicles, is a threat to all road users. The example of Germany shows that this very low percentage of the estimated 5 million damaged vehicles could sum up to several thousands (several ten thousands), which pose a severe threat to all road users. An inspection after accidents could reduce the amount of not roadworthy vehicles a lot. Experiences from authorized vehicle inspectors in Germany support the possible increase of road safety by this measure. The inspectors increasingly report not or faulty repaired accidents, which they recognize within a periodic technical motor vehicle inspection. Besides sheer outer body damages, also safety relevant parts (lighting, steering, tires and others) are not or not adequately repaired after an accident. Page 3 of 20

4 1.2 Reduction of Vehicle Theft The reduction of vehicle theft is an important part of a check for a proper performed repair. An often performed procedure is the following one. The registration certificates and vehicle identification numbers (VIN) of a totally wrecked car are bought. The corresponding damaged vehicle is crushed or sold in single pieces. An almost perfectly matching vehicle will be stolen and given the wrecked vehicle s identity. The inspection after accidents is supposed to reduce these criminal activities and increase the traceability if done this way. The number of this kind of vehicle thefts is not known. It is supposed to be very high though. 1.3 Reduction of Illegal Work The reduction of illegal work is supposed be reduced by the inspection after accidents. It happens that people don t pass the repair bill on to their insurance, but rather let their insurance pay cash for the occurred damage. The cash money is used for cheaper illegal work. The government does not get the value added tax (VAT) and the social security system loses money, too. This, at first hand, is a benefit for the individual, but does not pay out at the end for the whole community. 1.4 Consumer Protection Consumer protection is another important benefit of the inspection after accidents. Partly or faulty repaired vehicles are a threat to the consumer in many ways. The already mentioned reduced roadworthiness may be the most dangerous threat. Another large threat is of financial nature. Vehicles are often sold as never had an accident. These vehicles are theoretically worth more than vehicles, which have had an accident before. An inspection after accidents scheme would record these in detail and therefore every accident would be traceable for every vehicle. More important than value loss due to have had / have had not an accident before are the possible costs for the vehicle owners afterwards. Partly or faulty repaired vehicles need to be put back into a save condition, which is often connected to high costs. Repairs are sometimes performed for the most obvious parts, only. In these cases, underneath the new paint severe damages can be found. 1.5 Prevention of Fraud The prevention of fraud is an important possible benefit of an inspection after accidents. The most common severe fraud being performed is the intentional crash. Accidents are provoked, in which an innocent car driver can be blamed for the crash. Popular with these criminals is the right of way. Foreign drivers in complex traffic situations, who don t have the right of way, but take it, because they do not know any better at the moment are chosen by the criminals. The vehicle used by the criminals, is involved in similar crashes many times. These vehicles are repaired for the visual parts, only. Still, the insurances pay the whole damage. An inspection after accidents could reveal these frauds. Innocent car drivers would be protected and the insurances would safe a lot of money. 1.6 Financial Benefits Financial Benefits are attributed to an inspection after accidents in many ways. More road safety decreases the costs occurred to the whole economy. These are savings in health care, insurance costs, at the scene help and many other factors. Reduction in vehicle theft will save money. Reduction of illegal work will increase revenues for the state and for example health insurance. Consumer protection will save the individual a lot of money. Prevention of fraud Page 4 of 20

5 will save the insurances a lot of money. The overall benefit of all together can not be estimated. Too many unknown factors exist. More variables are to be regarded, if the different inspection systems are taken into account. The costs on the other side are not possible to be estimated, yet. A detailed comprehensive research project is needed for this. Too many factors are to be regarded. Each inspection system causes different cost. Each country is different as well, due the different economies. For all these unknowns, this paper focuses on the qualitative way of evaluating the costs for the different systems. 1.7 The Views of Different Groups Within the Autofore Project questionnaires have been sent to all kind of interest groups in Europe. The major groups were governmental agencies, inspection organizations and other stakeholders. The other stakeholders group consisted of inspection equipment manufacturers, vehicle manufacturers, the motor vehicle retail and repair industry and similar. Overall, 57 questionnaires have been filled out by these vehicle experts. A question, these vehicle experts answered, was the following one: Should technical inspection be performed after accidents? Answer Percent Yes 65 Already done in my region 23 No 7 Not known 5 The majority favors the inspection after accidents. A small percentage disagrees with the inspection after accidents. The percentages were similar in the mentioned interest groups. For example the other stakeholders have a similar positive attitude towards an inspection after accident like the inspection organizations. Assuming that the majority of the 23 Percent (answer: already done in my region ) favors the inspection after accidents, too, the overall support for this type of inspection is even higher. The 65 percent would probably increase up to three fourth of yes answers. Page 5 of 20

6 2 Examples for the Inspection after Accidents Many examples for an inspection after an accident exist in European countries. These examples are listed in the following table, which consists of six columns. The first column country names the referring country. The second column Application describes who reports to whom. The third column Damage Level describes which accidents have to be reported. In the fourth column Type of Inspection the depth and extent of the inspection after an accident is described. The fifth column Fees, Time contains, if available, the price / price range and the time extent for the inspection. The sixth and last column deals, if available, with the annual performed inspections after accidents. Country Application Damage Level Belgium Germany France Italy Luxembourg Netherlands Austria Spain Insurances, police and inspection organizations have to report accidents to the registration authorities Voluntary, insurances report accidents to registration authorities Police retains registration certificates, insurances have to inform registration authorities, authorized expert decides way of repair police has to report accident to the registration authorities, inspection within 30 days Police and insurances have to report accidents to the registration authorities Police retains registration certificates and informs inspection organization Police and insurances have to inform registration authorities, these have to report to the inspection organization Police retains registration certificates Not quantified, damage to chassis, steering, suspension or brakes, total loss Repair costs are higher than 50% of vehicle MSRP Vehicles not safe for use on public roads Not quantified, police decides Not quantified, Damage, which poses a threat to road safety Not quantified, Damage, which poses a threat to road safety Severe accident with human damage, vehicle retaining for accident reconstruction Not quantified, safety relevant damages to steering suspension, brakes, chassis, transmission or seat belt ancor Type of Inspection PMVI, visual inspection, measuring of suspension and chassis Expert s inspection PMVI, visual inspection, measuring of suspension and chassis Visual inspection, check of detailed repair bill PMVI, visual inspection of repair PMVI, visual inspection of repair PMVI, visual inspection of repair, measuring protocol for suspension required PMVI, visual inspection of repair, measuring of suspension(32 angels), measuring of chassis (30 points) Fees, Time About 100 Euro, About 45 min Euro, More than 60 min About 15 Euro About 55 Euro, more than 30 min No defects free of charge, otherwise 13 Euro, about 30 min About 90 Euro, up to 120 min Annual inspections Hardly performed In 1996: 6560 Performed every once in a while, only Page 6 of 20

7 Switzerland Police informs registration authorities Not quantified, safety relevant damages to steering suspension, brakes, chassis PMVI, visual inspection of repair Rompe, TUEV R/B-B, 2001 Nine countries are listed in the table, which perform more or less an inspection after an accident. These nine are examples only and more European countries may perform inspection after accidents or changes may hay have occurred since Despite these countries being examples only, some tendencies can be recognized. The typical way of reporting an accident is by the police to the registration authorities. The damage level for reporting an accident is mostly described as all damages concerning safety relevant vehicle parts. The typical inspection is a PMVI together with a visual inspection of the repair. The fees and the required time differ a lot and no clear tendency can be recognized. The fees range from free up to 250 Euro. The required time ranges from 30 minutes up to 120 minutes. The number of annual inspections seems to be rather low. Page 7 of 20

8 3 Possible Inspection Scheme Many different options exist. Each has advantages and disadvantages. The previous mentioned possible benefits depend on the specific solution in use. These solutions mainly differ in the way of reporting and the way of inspection. The different factors of a possible inspection scheme are all listed and rated in the following subchapters. The possible factors are ordered in the following way: Way of Reporting: - Reporter - Recorder - When to Report - What to Report Way of Inspection: - Inspector - Type of Inspection The rating of these factors will be done in the following way: +++ Most Positive, High Amount ++ Second Most Positive, Second Highest Amount + Least Positive, Low Amount 0 No Influence, No Amount These ratings are not an absolute value. They are intended to compare the specific solution with each other. The rating of costs is a good example for this. The solution A might be rated with a +++ and solution B might be rated with +. This means that solution B is much cheaper than solution A. The exact costs are not known. The ratings are made for each factor being a single solution. A mixture with other factors might lead to a completely other rating. The more positive a solution is rated, especially regarding quality, the more benefits can be attributed to that one. 3.1 Way of Reporting The way of reporting is crucial to the success of the inspection after accidents. Generally, a higher percentage of reported accidents lead to more benefits. This conclusion leads to the key point of the accident reporting procedure. Who reports when and what to whom? Reporter: The reporter is the beginning of the inspection after an accident. He has to report the accident to a predefined recording organization, which will be defined later. The reporter decides, within the legal limits, when to report. He further decides, with in the legal limits too, what to report. Another important factor is quality of the reported data, which depends mainly on the reporter himself. The following possible reporters are rated regarding the factors amount, data extent, quality and costs. Page 8 of 20

9 Amount Data Extent Quality Costs The number of accidents possibly recorded. The more, the better. Amount of information, which could be recorded for each accident. The more, the better. The quality of the data recorded for each accident. This is the reliability of the data. The higher, the better. The probable costs for the specific solution. The lower, the better. Reporter Amount Data Extent Quality Costs Police Garage Insurance Inspection Organization E-Call Police The Police are the one with highest amount of possible reports. They are usually always on the scene of an accident. Severe accidents, the ones with the highest possibility of remaining defects and the highest possibility of being used for fraud, are almost fully covered by police investigations. The data extent is rather low. The report may contain the fact that an accident has happened which part of the vehicle is damaged (e.g.: front, left side). The quality of these reports is rated medium, because the general police forces are not trained in vehicle technology. A fact, which keeps up the quality level, is that the police forces are obliged to the law and always act according the law. The costs are rated medium. Garage Garages have a medium amount of possible reports. Many accidents are repaired in garages. In order to avoid the inspection after an accident, some customers might urge the garage to not report the accident. This may be caused by the fear of additional costs for repair and costs for the inspection or in exceptional cases even by criminal intentions. The quality of the recorded data is rated medium. The good vehicle technology knowledge would increase this rating, but the previous mentioned reasons lower it to a medium. Another reason is the sometimes missing type specific knowledge. The costs are medium. New ways of reporting need to be established. Insurance The insurance companies have fewer opportunities to report a high amount of accidents. Accidents, which are reported to the insurances, are the only ones covered by this method. This is a high amount, but less than by the police or by the garages. The possible data extent is a little limited by insurances often acting as an agent only. They, for example often accept the repair bill and report of a garage. For accidents with severe damage the insurances often have their vehicle experts for the assessment. This gives the quality a medium rating. The costs are rather low, due to the already well established communication system of the insurances. Page 9 of 20

10 Inspection Organization The inspection organizations can detect a medium portion of all accidents. This could be in the course of a periodical technical motor vehicle inspection or the additional offered services, like accident investigation or damage evaluations. The possible data extent and quality is very high. The inspection organizations have a good knowledge about vehicle technology and are supervised by the government. The probable costs are rated medium. This is due to the additional time needed and the new ways of communication, which have to be established. E-Call The E-Call (Emergency Call) is a new emerging vehicle technology. Yet not many vehicles are fitted with these, but new vehicles will be increasingly fitted with this technology as part of a comprehensive telematic system. The E-Call notifies rescue services like the police and an ambulance automatically in the case of an accident. The E-Call system detects an accident usually by the use of airbag system data, the restraint system data or similar. This technology limits the possible amount of detected accidents to the ones fitted with this technology and severe accidents. This technology is highly promoted and supported by EU officials. Some European manufacturers, plan to make this technology standard fitting. The data extent is very low and can report that the accident has occurred and if specific electronic in-vehicle systems are damaged. The quality of the data is rated low. The costs are rather low, because almost no labor costs emerge. Recorder: The recorder is as crucial to the success of an inspection after an accident scheme as the reporter. The recorder has the task of gathering the reported accidents. Besides the sheer gathering, the recorder further has the task to supervise the whole procedure. This means that the confirmation of a performed inspection has to be reported to the recorder, too. In the case a vehicle supposed to be inspected does not show up, the recorder needs to take legal actions. This could be in the first instance a reminder and in later ones fines or the withdrawal of the vehicle registration. The recorder will be rated regarding the ability for legal actions, quality and costs. Ability for Legal Actions Quality Costs The recorder needs to have a high and fast ability to take legal actions against the vehicle owner, who missed to show up with his vehicle. The higher, the better. This is the quality of the whole procedure for the data handling. The higher, the better. These are the costs connected to the establishment and the operation of this organization. The lower, the better. Page 10 of 20

11 Recorder Ability for Legal Quality Costs Actions Registration Authorities Inspection Organizations Police Accident Database Organization Registration Authorities The registration authorities have a very high ability to take legal actions. They have access to all the vehicle and owner data and could withdraw a registration quickly. The quality is very high, because these are governmental agencies. Fraud is almost not possible to be performed and if, no benefits would arise for them. The costs would be rather high, because a lot of administrational work is connected to inspection after accidents. Inspection Organizations The inspection organizations have limitations in their ability for legal actions. They usually don t have the necessary rights to withdraw registration or take vehicles out of the running traffic. The offender s data could be handed on to the police or registration authorities. The quality of the data handling is very high, because the inspection organizations are directly bound to the law and fraud is very unlikely. The inspection organizations would further question their independency and credibility. The costs are rather high, due to high administrational work. Police The police have a very high ability for legal actions. They can enforce the laws directly or hand the information on to the registration authorities. The quality of the data handling is very high, too. The costs are rather high, due to high administrational work. Accident Database Organization An accident database organization has very limited abilities for legal actions. They can hand the data of offenders on to the registration authorities or the police, only. The quality may be a little lower, because for an independent organization economical factors are more important than to governmental organizations. When to Report: When to report mainly affects the overall amount of reported and recorded accidents. Amount Costs The possible amount of recorded accidents for the specific solution. The more, the better. The costs, which accrue for gathered amount of data. The lower, the better. The amount and the costs are the same in this case. The more data is gathered, the more costs accrue. Page 11 of 20

12 When to Report Amount Costs All Accidents Safety Relevant Parts Key Safety Relevant + + Parts Accidents with + + Human Damage Technical Total + + Losses Police Decides Individually Retained Vehicles + + All Accidents If all accidents will be reported the highest possible amount of data will be gathered. This high amount of data leads to high costs for the handling of these. Safety Relevant Parts The safety relevant parts are the ones, which are relevant for roadworthiness in any way. The amount is a little lower compared to the report of all accidents. Not all accidents result in roadworthiness relevant damages. Examples for safety relevant parts are all, which are part of an inspection according to 96/96/EC. The costs are conclusively a little lower, too. Key Safety Relevant Parts Key safety relevant parts are parts like tires, suspension, steering, brakes or electronically controlled safety systems. These are essential for safe road traffic. The number of these accidents is rather low. Accidents with Human Damage The number of accidents with human damage is rather low, compared to the overall amount of accidents. Technical Total Losses The number of technical total losses is rather low, compared to the overall amount of accidents. Police Decides Individually The police can report accidents by different measures than just the damage severity. Other factors for the individual judgment for an inspection after an accident could be made according to the vehicle owner s character or the Accident s circumstances. This could result in a high number of accidents, which are reported. Retained Vehicles The retained vehicles are the ones kept by the police for special investigations like accident reconstruction. This is a small amount of vehicles. Page 12 of 20

13 What to Report: This is the amount of data of a reported accident. The possible amount of content will be rated according to following factors. Data Extent Costs The amount of data, which will be recorded for each reported accident. The more, the better. The costs, which accrue for gathered amount of data. The lower, the better. The data extent is equivalent to the costs. More data needs more time to be gathered and more time to be handled. What to Report Data Extent Costs Accident Occurred + + Basic Accident Data Detailed Accident Data Accident occurred This is the minimum data, which states that an accident has occurred. No data about the circumstances or the damage is recorded. The data extent and conclusively the costs are very low. Basic accident data This solution records some more data, like the major damaged vehicle parts (e.g.: front, left side, ) and the severity (e.g.: light, severe, ). This results in a medium data extent and medium costs. Detailed accident data Detailed accident data is the most comprehensive and most expensive of the three possible ones. This one includes damage data with a detailed description of all affected vehicle parts. Further, the detailed accident circumstances are recorded. 3.2 Way of Inspection In the case an inspection is ordered, the way it is handled is important to achieve highest number of benefits. The type of inspection mainly splits up into two topics. The first one is the inspector and the second one is the type of inspection. Both do mainly affect the quality of the whole inspection scheme. Inspector: The type of inspection with its extent and its quality depends on the inspector. The inspector himself contributes to the quality, too. The possible inspectors will be rated for the factors quality and costs. Quality Costs The quality of the inspection after an accident. The higher, the better. The costs for the specific solution. The lower, the better. Page 13 of 20

14 Inspector Quality Costs Police + ++ Registration + ++ Authority Independent Expert Inspection Organization Garage Insurance Police The police can perform, compared to the other possible inspectors, an inspection of low quality. They are not specifically trained in vehicle technology and could check weather the repair is done or not. The costs are rated medium. Registration Authority The registration authorities are similar to the police. They are not trained in vehicle technology. They usually don t have the appropriate inspection sites and could therefore check a repair bill or make a visual inspection. The costs are rated medium, too. Independent Expert An independent expert is rated with medium quality and medium costs. This expert is independent, because he is not employed by a governmental agency or an inspection organization. He also is financially independent. Inspection Organization Inspection organizations always perform inspections of high quality. They are directly committed to the law and have very good vehicle technology knowledge. This education and the appropriate inspection sites are expensive, which leads to high costs. Garage The garages are rated with a medium quality and medium costs. The quality is a little lower than the one of the inspection organization. Garages are usually not as supervised and organized as an official inspection organization. The costs are medium. Insurance The insurances could check the repair with their vehicle experts or by accepting the garage reports. The insurances have a medium quality and medium costs. Type of Inspection: The type of inspection is important for the quality of the inspection. Not all types can be inspected by all possible inspectors. The type of inspection will be rated regarding the Page 14 of 20

15 inspection extent, the quality and the costs. The possible inspection types are sorted by their extent beginning with the lowest one. Inspection Extent Quality Costs This is the comprehensiveness of the inspection. The more, the better. This is the quality of the inspection after an accident. The higher, the better. The costs for the specific solution. The lower, the better. The inspection extent and the inspection quality are equivalent, because the inspection extent is in this case a measure for the quality. Type of Inspection Inspection Extent Quality Costs Check of Repair Bill Visual Inspection of Repair IMVI IMVI + Visual Inspection of Repair IMVI + Visual Inspection of Repair + Check of Repair Bill IMVI + Visual Inspection of Repair + Check of Repair Bill + Measuring Chassis and Suspension Check of repair bill A check of a repair bill is the simplest way for an inspection after an accident. It further is the one with the lowest extent and therefore has the lowest quality. The positive aspect of this solution is the lowest costs and the possibility to be performed by all listed inspectors. Visual Inspection of Repair The visual inspection of the repair can range from a simple check whether the repair was performed or not to a detailed check whether the repair was performed properly or not. This leads to a medium inspection extent / quality. The costs are rather low due to the comparably low amount of time needed. IMVI The irregular motor vehicle inspection is will be performed like a periodical technical motor vehicle inspection (e.g.: according to 96/96/EC). This is not the official periodical technical motor vehicle inspection and is not intended to replace the official one. The positive aspect of this type is the roadworthiness and legal assessment of the damage. The negative aspect is that the repair does not need to be done correctly in every way. Visual accident marks may remain. The PMVI is rated Page 15 of 20

16 medium regarding the inspection extent / quality. The costs would be comparably low at the height of the country specific fee for a PMVI. IMVI + Visual Inspection of Repair The IMVI and the visual inspection of the repair supplement each other to a very comprehensive inspection after accidents. This results in a high inspection extent and high quality. The costs are rated medium, due to the high amount of time needed for both inspections. IMVI + Visual Inspection of Repair + Check of Repair Bill This solution ads to the IMVI and the visual inspection the check of the repair bill. This small change keeps the costs at a medium level. IMVI + Visual Inspection of Repair + Check of Repair Bill + Measuring Chassis and Suspension This solution is the most comprehensive one and the most expensive one. In addition to the previous mentioned methods, a full measurement of the chassis and the suspension will be performed. This increases the costs a lot. This solution seems to be only appropriate in the case of severe damages and should be ordered individually. Page 16 of 20

17 4 Recommendations In the previous chapter, all possible items of an inspection after an accident were assessed. Many mixtures of the individual solutions are possible, but some dependencies exist. For example is the police usually not equipped with a vehicle lift and therefore can not perform a comprehensive inspection after accidents. Due to these dependencies and the made ratings, a recommendation for an ideal inspection after accidents scheme can be made. An overall calculation for the rated items will not be made. Other inspection schemes than the following recommended one are possible. These are connected to higher costs or large limitations for the possible benefits. Reporter The ideal reporter would be the police. They are able to report a high number of accidents. The data extent is low. This is not a problem though. For the success of this scheme the number of reported accidents is more important than the data extent. The more accidents are reported the more benefits exist. Especially fraud can be prevented mainly by a high number of reporting. The data extent can be low, because the vehicle will be checked completely anyway and a vehicle expert often recognizes the repaired vehicle part by little details. The quality is at a medium level high enough and the costs are at a medium level not too high. Reporter Amount Data Extent Quality Costs Police Recorder The registration authorities are the ideal recorder, because of the high ability for legal actions. This ability is most essential for the success of this additional inspection. The quality was rated high. The registration authority is the central point of the inspection after accidents. All accident reports and repair reports are administered by this authority. A high qualitative handling of these documents is very important. This high ability and this high quality at medium costs are ideal. Recorder Registration Authorities Ability for Legal Quality Costs Actions When to Report Ideally, all accidents should be reported. This causes high costs, but is crucial to the success. Prevention of fraud, consumer protection and other benefits can only be reached, if all accidents are reported. When to Report Amount Costs All Accidents Page 17 of 20

18 What to report The simple notification that an accident has occurred is enough. The later inspection will be performed by vehicle experts, who don t need this information and rather rely on their knowledge to detect not proper repaired spots. A benefit of this method is that it keeps the costs low. What to Report Data Extent Costs Accident Occurred + + Inspector The inspection should ideally be performed by inspection organizations. They offer a high quality, which is essential to reach the possible benefits attributed to an inspection after an accident. The vehicle experts or authorized vehicle inspectors of the inspection organizations have the knowledge to decide individually how to perform the inspection. This could for example reduce the inspection fees for slight damages. The inspection organizations further have the appropriate equipment, like vehicle lifts, roller brake testers and other measurement tools, to perform an inspection of high quality. Inspector Quality Costs Inspection Organization Type of Inspection The inspection should ideally be performed like periodic technical motor vehicle inspection. Defined criteria exist (e.g.: 96/96/EC) which make the handling of the inspection a lot easier. These criteria are known by the inspectors as well as by the customers. The extent and the quality are just enough to detect possible remained defects. This at relatively low costs is an ideal solution. Type of Inspection Inspection Extent Quality Costs IMVI Page 18 of 20

19 5 Comments to the BAST - Research Report Inspection of vehicles after severe accidents by Prof. Dr. Klaus Rompe (January 2002) Another decisive factor for carrying out the BASt (Ministry for Transport, Building and Housing) study was beside statements and demands of TÜV/DEKRA and motor vehicle trade media presentations in The programme reported on two cases of accidents and severe injuries caused by unproper repairs. The University of Cologne was supposed to scientifically evaluate potential risks, which before that only were estimated by approximation by TÜV/DEKRA. On the basis of a merely Germanbased bibliography and the opinion of German experts, the report comes to the following conclusion: 1. Experiences from Luxembourg, the Netherlands and Spain in regard to inspection fail rates demonstrate the potential risk for vehicles with severe accidents and repairs not done by professionals. 2. On the basis of the data available in Germany the amount of repairs not done by professionals, or rather, the accidents caused by technical failures due to unproper repairs of vehicles with severe accidents, can not be assessed. 3. A quantitative evaluation by TÜV Rhineland/Berlin-Brandenburg updated version from ) presents only a first approach to the problem of potential risks. A continuation of the (6 months lasting) research project is promising in regard to the following points: 1. The amount of vehicles with severe accidents is obvious from the AUDATEX data bank. 2. The amount of vehicles with severe accidents and consequential damages can be assessed ex post for a period of 1,5 years from the AUDATEX data. 3. Acquisition of detailed accident data by the University Hanover and Dresden on behalf of the BASt (Ministry for Transport, Building and Housing) can provide the data necessary for the future if a respective adaptation of the assignment is carried out. 4. DEKRA accidents reports at about per annum should be analysed in regard to the consequences of unproper repairs. 5. Experiences from present procedures in Germany should be taken into account. Here the police informs the admission office in the course of the accident evaluation process after the expiry of a certain notification period about vehicles with severe accidents. In a summary, the research project confirms well-known facts, mainly, that there is no sufficient data in Germany for calculating the risks arising from unproper repairs. This also refers to the causes of accidents due to technical failures in general, because Page 19 of 20

20 official statistics are based on visual examinations of the place of accident conducted by the police, that for the most part is not able to recognise similar deficiencies. The research report makes another step and points toward promising solutions on how to provide the data necessary. Nevertheless, the Federal Government gives no response to this. But the high numbers of inspection fail rates of between 20 to 50% in the EU Member States, by which repairs of vehicles with severe accidents are tested (additional findings are available from Belgium: 16,000 inspections at about 33% were subject to re-inspections), demonstrate the fact that there is a high risk. Consequently, also in Germany the specific amount of proper repairs of vehicles with severe accidents should be assessed parting from representative spot tests, e. g. by making use of the AUDATEX data bank. If there are found proportions ranging between 20-50% in our country, the necessity for and the use of additional inspections is out of question. In the frame of a similar examination another point of assessment should be, whether the payment of the insurance was made on the basis of an expert opinion, that is, notional (by now at about 30-40% of the insurance cases), because here a considerable amount of unproper repairs are expected. Finally, the experiences made in other EU Member States, that have already implemented an additional inspection following repairs after accidents, should be taken into account. Available data shows already e. g. that in these countries and in Germany annually between 10 to 12% of the vehicles approved are involved in accidents, and between 10 to 15% of them in severe accidents. The better part of these vehicles is scrapped or exported, mainly to Eastern Europe. Actually only 0,06-0,1% of the vehicles approved would be subject to additional inspections per annum. In Germany this would affect less than 500,000 passenger cars. The growing amount of repairs conducted in non EU Member States, which can not be controlled (in Germany in the last decade on an average 17% of the repairs following accidents were not made in work shops), the growing amount of electronically controlled systems necessary for security, but which are not essential for the mere operability of the vehicle and due to that are not always repaired ( e. g. 4 or more airbags esp. in older vehicles), and the growing complexity of vehicles makes an additional inspection after repairs in vehicles with severe accidents more necessary than ever. Such an inspection does not only serve to reduce accidents and their consequences but also minimises the amount of untraceable stolen personal cars (by now annually 30,000, insured loss at about 500 Mio EUR annually). In addition to that, this impedes clandestine employment and by that creates new jobs in the handcraft sector. At the end the purchaser of personal cars with accidents are protected from repairs which were not done by professionals. Page 20 of 20

GAUNTLET MOTOR CLAIM FREQUENTLY ASKED QUESTIONS INDEX

GAUNTLET MOTOR CLAIM FREQUENTLY ASKED QUESTIONS INDEX GAUNTLET MOTOR CLAIM FREQUENTLY ASKED QUESTIONS INDEX FIRST STEPS 1. When an accident happens involving one of my vehicles what should I do? 2. When should I contact Gauntlet? 3. Are photographs important?

More information

REPORT FROM THE COMMISSION TO THE EUROPEAN PARLIAMENT AND THE COUNCIL

REPORT FROM THE COMMISSION TO THE EUROPEAN PARLIAMENT AND THE COUNCIL EUROPEAN COMMISSION Brussels, 25.9.2014 COM(2014) 592 final REPORT FROM THE COMMISSION TO THE EUROPEAN PARLIAMENT AND THE COUNCIL on the implementation in the period from 4 December 2011 until 31 December

More information

Real-World advanced Emergency Call Handling for cars Saving Lives and Reducing Costs. Pierre Lecointe - PSA Peugeot Citroën.

Real-World advanced Emergency Call Handling for cars Saving Lives and Reducing Costs. Pierre Lecointe - PSA Peugeot Citroën. Real-World advanced Emergency Call Handling for cars Saving Lives and Reducing Costs Pierre Lecointe - PSA Peugeot Citroën. Agenda PSA Peugeot Citroën : Corporate presentation PSA Emergency Call System

More information

AUTOFORE Study on the Future Options for Roadworthiness Enforcement in the European Union

AUTOFORE Study on the Future Options for Roadworthiness Enforcement in the European Union AUTOFORE WP540 - Analysis of pass/fail rates and accidents for different vehicle types in relation to PTI - frequency and vehicle age Contents 1 Introduction...2 2 Literature Research...3 3 Pass / fail

More information

ON THE ROAD. License. Automobile Insurance

ON THE ROAD. License. Automobile Insurance ON THE ROAD License The minimum age, to obtain a driver s license in New Hampshire, is 18 years old. Individuals between the ages of 16 and 18 may obtain a drivers license, with permission from their parent

More information

SUMMARY OF THE IMPACT ASSESSMENT

SUMMARY OF THE IMPACT ASSESSMENT EN EN EN COMMISSION OF THE EUROPEAN COMMUNITIES Brussels, SEC(2008) 350/2 COMMISSION STAFF WORKING DOCUMENT accompanying the Proposal for a DIRECTIVE OF THE EUROPEAN PARLIAMENT AND OF THE COUNCIL facilitating

More information

Using your Minibus legally and safely Church of Scotland Law Department

Using your Minibus legally and safely Church of Scotland Law Department Circular August 2012 Minibus Guidance CoS Law Department Using your Minibus legally and safely Church of Scotland Law Department Why is this guide important? The use of minibuses and other large vehicles

More information

VEHICLE DAMAGE CLAIMS*

VEHICLE DAMAGE CLAIMS* VEHICLE DAMAGE CLAIMS* ACCIDENTS HAPPEN! Unfortunately, road traffic collisions are all too common with over 30,000 accidents occurring on Irish roads each year. When an accident happens it can be a stressful

More information

What is a definition of insurance?

What is a definition of insurance? What is a definition of insurance? A system of protection against loss in which a number of individuals agree to pay certain sums for a guarantee that they will be compensated for a specific loss. Every

More information

Motor claims in Germany - claims handling, regulations & trends in the light of the new legal regulations in Poland -

Motor claims in Germany - claims handling, regulations & trends in the light of the new legal regulations in Poland - Motor claims in Germany - claims handling, regulations & trends in the light of the new legal regulations in Poland - Polish Chamber of Insurance (PIU) Dr. Harald Neugebauer Head of Claims, Gothaer Insurance

More information

CAR DAILY VEHICLE PRE CHECKS INFORMATION. Page 1 of 6

CAR DAILY VEHICLE PRE CHECKS INFORMATION. Page 1 of 6 Page 1 of 6 CAR DAILY VEHICLE PRE CHECKS INFORMATION There are approximately 2.5 million vehicles in national fleet in Ireland. As vehicles age they are subject to wear and tear and unless attended to

More information

Directives of the University Board of Directors concerning the use of vehicles owned and hired by the University

Directives of the University Board of Directors concerning the use of vehicles owned and hired by the University Directives of the University Board of Directors concerning the use of vehicles owned and hired by the University The University Board of Directors, in accordance with art. 39 para. 1 item k of the law

More information

Acquisition of Shares of Box Innovation Group

Acquisition of Shares of Box Innovation Group Acquisition of Shares of Box Innovation Group - Full-fledged Entry into the U.K. Telematics Auto Insurance Market - December 24, 2014 1. Overview of the BIG acquisition About the Transaction Aioi Nissay

More information

European Consumer Centres Network

European Consumer Centres Network European Consumer Centres Network TOURISM IN LUXEMBURG This brochure will provide you with information on driving in Luxemburg. You will find practical advice and important legal information covering the

More information

The Telematics Interface with PSAPs. ATX North America - Europe

The Telematics Interface with PSAPs. ATX North America - Europe The Telematics Interface with PSAPs ATX North America - Europe Automakers Served Toyota Safety Connect TM Lexus Enform TM BMW Assist TM Mercedes-Benz Tele Aid TM Peugeot Services Mobiles TM Rolls-Royce

More information

For Employers Driving at Work Policy

For Employers Driving at Work Policy For Employers Driving at Work Policy Road Safety You may already have a driving for work policy within your health and safety policy or as a separate document. If you do, it may be useful to check that

More information

A Scientific Study "ETAC" European Truck Accident Causation

A Scientific Study ETAC European Truck Accident Causation A Scientific Study "ETAC" European Truck Accident Causation Executive Summary and Recommendations 1 Introduction 1.1 The project and its objectives Currently, only limited statistics are available regarding

More information

RISER. Roadside Infrastructure for Safer European Roads

RISER. Roadside Infrastructure for Safer European Roads Roadside Infrastructure for Safer European Roads PROJECT START DATE: 01/01/2003 DURATION: 36 months CONTRACT NUMBER: GRD2/2001/50088//S07.15369 Co-Sponsored by DG-TREN TU-Graz Institute for Mechanics Heinz

More information

DRIVING WITH CONFIDENCE

DRIVING WITH CONFIDENCE MAKING SENSE OF CAR INSURANCE 1 DRIVING WITH CONFIDENCE MAKING SENSE OF CAR INSURANCE 2007 1 MAKING SENSE OF CAR INSURANCE MAKING SENSE OF CAR INSURANCE 2 WHY IT IS IMPORTANT TO HAVE INSURANCE If you cause

More information

MOTOR VEHICLE ACCIDENT CLAIMS

MOTOR VEHICLE ACCIDENT CLAIMS MOTOR VEHICLE ACCIDENT GUIDANCE NOTES AND REPORT FORM MOTOR VEHICLE ACCIDENT CLAIMS GUIDANCE NOTES The following notes have been prepared to help you make your claim. We recommend that you read them carefully

More information

POSITION INFORMATION DOCUMENT

POSITION INFORMATION DOCUMENT South Australia Police POSITION INFORMATION DOCUMENT Stream : Vehicle Examiner Career Group : Engineering and Construction Discipline : Metal Trades Classification : OPS4 Service : Operations Support Service

More information

Accident Management Reducing cost, time and worry

Accident Management Reducing cost, time and worry Accident Management Reducing cost, time and worry Accident Management 02 Reducing cost, time and worry Accident management is an integral part of ALD s DriveSafe risk management programme. Operated in

More information

All About Auto Insurance

All About Auto Insurance All About Auto Insurance The legal responsibility involved when you are in a car accident is extraordinary. Basically, if you hurt someone else while driving, there s no limit to the amount he or she can

More information

Deploying Road Safety In Europe A New Approach for managing Road Safety

Deploying Road Safety In Europe A New Approach for managing Road Safety ASECAP TOLL ROADS: A SAFE JOURNEY IN EUROPE Athens, 1 March 2011 Deploying Road Safety In Europe A New Approach for managing Road Safety By Dimitrios Tsamboulas Professor National Technical University

More information

March 2013. Lifting the bonnet on car insurance - what are the real costs?

March 2013. Lifting the bonnet on car insurance - what are the real costs? March 2013 Lifting the bonnet on car insurance - what are the real costs? Lifting the bonnet on car insurance what are the real costs? Most UK motorists have an opinion on the cost of car insurance. Many

More information

Frequently Asked Questions

Frequently Asked Questions Frequently Asked Questions Important Numbers Claims and Accident Helpline *We recommend you save this number to your mobile phone 0800 404 6016*(24 hours) Policy Changes 0844 800 0463 Quotes and Renewals

More information

Scientific Issues in Motor Vehicle Cases

Scientific Issues in Motor Vehicle Cases Organized by Larry Coben and Jim Ronca, lawyers at Anapol Schwartz. 2011 All Rights Reserved. Scientific Issues in Motor Vehicle Cases Reconstruction and Crashworthiness The attorneys who call on accident

More information

WHAT SHOULD I DO IF I HAVE AN AUTO ACCIDENT? 1. If I have an auto accident, do I have to stop? 2. What should I do if someone is injured?

WHAT SHOULD I DO IF I HAVE AN AUTO ACCIDENT? 1. If I have an auto accident, do I have to stop? 2. What should I do if someone is injured? WHAT SHOULD I DO IF I HAVE AN AUTO ACCIDENT? 1. If I have an auto accident, do I have to stop? 2. What should I do if someone is injured? 3. How can I get help? 4. What information should I gather at the

More information

TERMS AND CONDITIONS

TERMS AND CONDITIONS TERMS AND CONDITIONS Riviera Car Rent is dedicated to providing you with all the information you require in order to ensure that you travel with piece of mind. The following terms and conditions relate

More information

Your Pocket Guide to Commercial Motor Claims

Your Pocket Guide to Commercial Motor Claims Your Pocket Guide to Commercial Motor Claims DRIVER CHECKLIST AT THE SCENE OF A MOTOR ACCIDENT If you are NOT injured, exit the vehicle: DO NOT ADMIT LIABILITY IF ANY party is injured - Call the emergency

More information

lesson nine cars and loans overheads

lesson nine cars and loans overheads lesson nine cars and loans overheads the cost of owning and operating a motor vehicle ownership (fixed) costs: Depreciation (based on purchase price) Interest on loan (if buying on credit) Insurance Registration

More information

CONSUMER S GUIDE TO AUTO INSURANCE

CONSUMER S GUIDE TO AUTO INSURANCE CONSUMER S GUIDE TO AUTO INSURANCE The Colorado Division of Insurance prepares this booklet to assist you in shopping for auto insurance and to help you understand your Personal Auto Policy. When shopping

More information

Sixt rent a car - Rental Agreement, Terms & Conditions

Sixt rent a car - Rental Agreement, Terms & Conditions 1. Definitions. Agreement means the Terms and Conditions on this page and the provisions found on the Face Page, and the General Rental Terms that you agree to on our website. You or your means the person

More information

Motor Accident Report Form

Motor Accident Report Form POLICYHOLDER DETAILS Policy Number: Name of Insured/Trading Title Claim Ref: Date of Birth: Email Occupation/Business Daytime Are you registered for VAT? Yes No If Yes please state VAT reg. no. PERSON

More information

Auto. The Instant Insurance Guide: What To Do If You re In An Accident. Info and tips for buying automobile and motorcycle insurance in Delaware

Auto. The Instant Insurance Guide: What To Do If You re In An Accident. Info and tips for buying automobile and motorcycle insurance in Delaware What To Do If You re In An Accident Stop and keep calm. Do not drive away from an accident. Do not argue with the other driver over the cause. Call an ambulance, if needed. Do what you can to provide first

More information

Auto. The Instant Insurance Guide: Info and tips for buying automobile and motorcycle insurance in Delaware. www.delawareinsurance.

Auto. The Instant Insurance Guide: Info and tips for buying automobile and motorcycle insurance in Delaware. www.delawareinsurance. The Instant Insurance Guide: Auto Info and tips for buying automobile and motorcycle insurance in Delaware From Karen Weldin Stewart, CIR-ML Delaware s Insurance Commissioner 1-800-282-8611 www.delawareinsurance.gov

More information

Motor vehicle Accident report form

Motor vehicle Accident report form Motor vehicle Accident report form The issue of this form is not an admission of a claim Insurers maintain a motor insurance anti-fraud and theft register and exchange information with each other to prevent

More information

WHAT IS THE LAW SURROUNDING CAR ACCIDENTS?

WHAT IS THE LAW SURROUNDING CAR ACCIDENTS? WHAT IS THE LAW SURROUNDING CAR ACCIDENTS? How Does The Law Determine Who s At Fault? When determining fault, there is no one answer that covers all scenarios. Accidents produce and are produced by many

More information

Being a younger driver: the key findings 5. Why premiums vary 8. Recommendations 11. Ways to cut your costs 13. 1 The case studies 16

Being a younger driver: the key findings 5. Why premiums vary 8. Recommendations 11. Ways to cut your costs 13. 1 The case studies 16 2 The Cost of Car Insurance for Young Drivers in Northern Ireland Introduction 4 What we did 4 Being a younger driver: the key findings 5 Why premiums vary 8 Recommendations 11 References 12 Ways to cut

More information

Driver Card. Driver Helpline. Your. Your

Driver Card. Driver Helpline. Your. Your Your Driver Card Dispatched before the delivery of the new vehicle, the driver card features a helpline number, your customer identification number (where applicable) and details of any additional service

More information

a reduction in cost of your insurance if you drive without having an accident a price offered for insurance a temporary insurance contract

a reduction in cost of your insurance if you drive without having an accident a price offered for insurance a temporary insurance contract Worksheet 1 Cut up these word cards and give out one set per pair. Tell the students to match the car insurance words and phrases to similar meanings a no claims bonus a quote a reduction in cost of your

More information

Expert Group on European Insurance Contract Law. Meeting of 12-13 November 2013 DISCUSSION PAPER 7: MOTOR INSURANCE.

Expert Group on European Insurance Contract Law. Meeting of 12-13 November 2013 DISCUSSION PAPER 7: MOTOR INSURANCE. Expert Group on European Insurance Contract Law Meeting of 12-13 November 2013 DISCUSSION PAPER 7: MOTOR INSURANCE GDV s comments Questions for discussion Preliminary remarks Motor insurance is a mass

More information

Driving Abroad Report

Driving Abroad Report Driving Abroad Report Every year around two million British motorists take to their cars for driving trips to neighbouring European Union (EU) countries. Now experts are predicting a boom in driving abroad,

More information

Driver Distraction in Finland. Petri Jääskeläinen

Driver Distraction in Finland. Petri Jääskeläinen Driver Distraction in Finland Petri Jääskeläinen In Finland mobile communication is very common 5 billion calls from mobile phones yearly. Average duration of a call is 3.2 minutes 5 billion text messages

More information

VEHICLE WRITE-OFFS MADE SIMPLE

VEHICLE WRITE-OFFS MADE SIMPLE VEHICLE WRITE-OFFS MADE SIMPLE Working with the profession to simplify the language of insurance DEALING WITH A WRITE-OFF OR TOTAL LOSS If you are involved in an accident and your car is damaged, provided

More information

Andrew Tait General Manager Crawford & Company Singapore. Motor Insurance Counter Fraud Solutions

Andrew Tait General Manager Crawford & Company Singapore. Motor Insurance Counter Fraud Solutions Andrew Tait General Manager Crawford & Company Singapore Motor Insurance Counter Fraud Solutions Motor Insurance fraud where do we start? Every fraudulent claim starts with a policy of insurance being

More information

EWART PRICE SOLICITORS ROAD TRAFFIC ACCIDENTS - NOTES FOR CLAIMING FOR PERSONAL INJURY AND OTHER UNINSURED LOSSES

EWART PRICE SOLICITORS ROAD TRAFFIC ACCIDENTS - NOTES FOR CLAIMING FOR PERSONAL INJURY AND OTHER UNINSURED LOSSES E P EWART PRICE SOLICITORS ROAD TRAFFIC ACCIDENTS - NOTES FOR CLAIMING FOR PERSONAL INJURY AND OTHER UNINSURED LOSSES If you have been involved in a Road Traffic Accident as a driver or passenger we hope

More information

Child Safety in Cars. Federal Highway Research Institute

Child Safety in Cars. Federal Highway Research Institute Child Safety in Cars Federal Highway Research Institute Table of Content Introduction...2 What is the legal situation in Germany?...3 Use and misuse of child restraint systems...4 Child restraint systems

More information

Purchasing a Car. Latino Community Credit Union & Latino Community Development Center

Purchasing a Car. Latino Community Credit Union & Latino Community Development Center Purchasing a Car Latino Community Credit Union & Latino Community Development Center PURCHASING A CAR Latino Community Credit Union & Latino Community Development Center www.latinoccu.org Copyright 2013

More information

WHAT SHOULD I DO IF I HAVE AN AUTO ACCIDENT? GET THE L E G A L F A C T S

WHAT SHOULD I DO IF I HAVE AN AUTO ACCIDENT? GET THE L E G A L F A C T S T H E S TAT E B A R O F C A L I F O R N I A WHAT SHOULD I DO IF I HAVE AN AUTO ACCIDENT? GET THE L E G A L F A C T S O F L I F E What should I do if I have an 1 a u t o a c c i d e n t? If I have an auto

More information

ID# 07-0448 BLACKBOX - PROJEKT V&V MD ČR

ID# 07-0448 BLACKBOX - PROJEKT V&V MD ČR ID# 07-0448 BLACKBOX - PROJEKT V&V MD ČR Jiří Plíhal, Dr.Ing e4t electronics for transportation s.r.o. Novodvorská 994 Praha 4, CZ tel. +420 239 046 771, jiri.plihal@e4t.cz Martin Pípa, Ing. Centrum dopravního

More information

FLEET ROAD RISK POLICY

FLEET ROAD RISK POLICY FLEET ROAD RISK POLICY SGPilliner U:\PolicieandProcedures\FleetRoadRiskPolicy\FleetRoadRiskPolicy040903 1 Fleet Road Risk Policy. 1.0 Introduction. Carmarthenshire County Council is committed to manage

More information

CAR INSURANCE MADE SIMPLE

CAR INSURANCE MADE SIMPLE CAR INSURANCE MADE SIMPLE Working with the profession to simplify the language of insurance WHAT IS CAR INSURANCE? Car insurance, also called motor insurance, protects you if you are involved in a collision

More information

GE Capital Fleet Services. Service-Guide. Important information at a glance.

GE Capital Fleet Services. Service-Guide. Important information at a glance. GE Capital Fleet Services Service-Guide Important information at a glance. Vehicle delivery Welcome Maintenance, tyres, repairs Accident & Damage Driver Services Vehicle return About us Vehicle Delivery

More information

Car rental in Europe. Le guide du consommateur européen. European Consumer Centre France. ECC-Net

Car rental in Europe. Le guide du consommateur européen. European Consumer Centre France. ECC-Net Car rental in Europe European Consumer Centre France ECC-Net Le guide du consommateur européen Summary Moving freely around during your holidays thanks to a rental car! It s a good idea, but some advice

More information

ITARDA INFORMATION. No.99. Special feature

ITARDA INFORMATION. No.99. Special feature ITARDA INFORMATION No.99 Special feature Introduction............................................. P2 Characteristics of unlicensed driving....................... P2 Unlicensed driving is more likely to

More information

CASPER CHILD ADVANCED SAFETY PROJECT FOR EUROPEAN ROADS. Car Technology. SPEAKER: Britta Schnottale BASt. CASPER and EPOCh Final Workshop 13 th -15

CASPER CHILD ADVANCED SAFETY PROJECT FOR EUROPEAN ROADS. Car Technology. SPEAKER: Britta Schnottale BASt. CASPER and EPOCh Final Workshop 13 th -15 CHILD ADVANCED SAFETY PROJECT FOR EUROPEAN ROADS BASt and EPOCh Final Workshop 13 th -15 th March 2012 Berlin, Germany Content Introduction Accident data ISOFix Safety devices - Pre-tensioner and Load

More information

MOTOR TRADE CLAIM FORM

MOTOR TRADE CLAIM FORM Insurance Company Limited MOTOR TRADE CLAIM FORM First Response Claims Line 0845 373 1300 Fax 020 7068 7740 Email claims@tradex.com www.tradex.com Policyholder s Name Company Name Policy No. (cover note

More information

Associate Vice President of Public Safety & Administrative Services

Associate Vice President of Public Safety & Administrative Services Policy Title: Vehicle Use Policy Policy No.: 5810 Effective Date: June 1 2013 Responsible Office: Responsible Official: Department of Public Safety Associate Vice President of Public Safety & Administrative

More information

Texas Municipal Courts Education Center

Texas Municipal Courts Education Center TexasSure Bringing Insurance Verification Into the 21 st Century Texas Municipal Courts Education Center 2008-2009 Academic Year Session Learning Objectives: By the end of the session, participants should

More information

Go Girl Private Car and Small Commercial Vehicle Policy Summary

Go Girl Private Car and Small Commercial Vehicle Policy Summary Private Car and Small Commercial Vehicle Policy Summary is a trading name of Sabre Insurance Company Limited. Any reference to in this document will mean Sabre Insurance Company Limited as the ultimate

More information

CIRCULAR NOTE REGISTRATION OF DIPLOMATIC VEHICLES. (20 August 2013)

CIRCULAR NOTE REGISTRATION OF DIPLOMATIC VEHICLES. (20 August 2013) Protocol Directorate - P1.1 CIRCULAR NOTE REGISTRATION OF DIPLOMATIC VEHICLES (20 August 2013) The Federal Public Service Foreign Affairs, Foreign Trade and Development Cooperation presents its compliments

More information

ANALYSIS AND EVALUATION OF METHODOLOGY OF COLLECTING TRAFFIC ACCIDENT DATA IN LITHUANIA BASED ON PRACTISE OF EUROPEAN COUNTRIES

ANALYSIS AND EVALUATION OF METHODOLOGY OF COLLECTING TRAFFIC ACCIDENT DATA IN LITHUANIA BASED ON PRACTISE OF EUROPEAN COUNTRIES The XXVIII International Baltic Road Conference ANALYSIS AND EVALUATION OF METHODOLOGY OF COLLECTING TRAFFIC ACCIDENT DATA IN LITHUANIA BASED ON PRACTISE OF EUROPEAN COUNTRIES Evaldas Morkūnas Road and

More information

Tradewise Insurance Company Ltd

Tradewise Insurance Company Ltd Tradewise Insurance Company Ltd MOTOR ACCIDENT REPORT FORM Ensure all sections of this form are completed fully. Also note that any attempt to defraud Underwriters will result in criminal prosecution.

More information

Lowcountry Injury Law

Lowcountry Injury Law Lowcountry Injury Law 1917 Lovejoy Street Post Office Drawer 850 Beaufort, South Carolina 29901 Personal Injury Phone (843) 524-9445 Auto Accidents Fax (843) 524-6981 Workers Comp Lawyer@LowcountryLaw.com

More information

Motor Insurance. with. Here to help your world

Motor Insurance. with. Here to help your world Motor Insurance with Here to help your world If you breakdown we ll be there If your car breaks down or you have a roadside emergency (e.g. a flat tyre, or you run out of fuel), it is reassuring to know

More information

4. How to Buy a Car. Building a Better Future 151

4. How to Buy a Car. Building a Better Future 151 4. How to Buy a Car Building a Better Future 151 152 Building a Better Future UNIT 4: HOW TO BUY A CAR Lesson 1: How to Choose the Right Car Lesson Objectives: Students will understand what to consider

More information

COMPANY VEHICLE POLICY

COMPANY VEHICLE POLICY COMPANY VEHICLE POLICY The following is a guide of what to include in a Company Vehicle Scheme. This can be used as a template by you to construct your own policy and adapted to suit your own company.

More information

Wesley Theological Seminary Motor Vehicle Operation Policy

Wesley Theological Seminary Motor Vehicle Operation Policy Wesley ological Seminary Motor Vehicle Operation Policy Effective Date: 2/1/2007 Related Materials: Covenant for Drivers PURPOSE: following guidelines for the operation and maintenance of motor vehicles

More information

WHAT ATTORNEYS AND CLAIMS ADJUSTERS REALLY NEED TO KNOW ABOUT COLLISION INVESTIGATION 2 nd Edition

WHAT ATTORNEYS AND CLAIMS ADJUSTERS REALLY NEED TO KNOW ABOUT COLLISION INVESTIGATION 2 nd Edition WHAT ATTORNEYS AND CLAIMS ADJUSTERS REALLY NEED TO KNOW ABOUT COLLISION INVESTIGATION 2 nd Edition Robert E. Stearns, B.S., ACTAR #661 Kinetic Energy Press Rocklin, California Copyright 2007, All Rights

More information

Company Vehicle Policies and Procedures

Company Vehicle Policies and Procedures Company Vehicle Policies and Procedures Eligibility to Drive a Company Vehicle Employees eligible for assignment of a company vehicle are selected at the discretion of the company s Chief Executive Officer

More information

Road safety Performance Indicators in Hungary

Road safety Performance Indicators in Hungary Acta Technica Jaurinensis Vol. 3. No. 1. 2010 Road safety Performance Indicators in Hungary P. Holló KTI Institute for Transport Sciences Non-profit Ltd. H-1518 Budapest, PO Box 107, Hungary Phone : +36(1)3715823,

More information

Motor Tax - New procedures for declaring a vehicle off the road

Motor Tax - New procedures for declaring a vehicle off the road Motor Tax - New procedures for declaring a vehicle off the road Background The existing arrangement is that a vehicle owner may get his/her signature to the statement on Forms RF100A and RF111 that the

More information

Illinois Insurance Facts Illinois Department of Insurance Filing an Auto Claim with Your Own Insurance Company

Illinois Insurance Facts Illinois Department of Insurance Filing an Auto Claim with Your Own Insurance Company Illinois Insurance Facts Illinois Department of Insurance Filing an Auto Claim with Your Own Insurance Company Updated January 2014 Note: This information was developed to provide consumers with general

More information

THE CHARTERED INSURANCE INSTITUTE. Read the instructions on page 3 carefully before answering any questions.

THE CHARTERED INSURANCE INSTITUTE. Read the instructions on page 3 carefully before answering any questions. THE CHARTERED INSURANCE INSTITUTE P94 Diploma in Insurance Unit P94 Motor insurance April 2014 examination Instructions Three hours are allowed for this paper. Do not begin writing until the invigilator

More information

Motives and Origins of Gold Ownership among Private Individuals in Germany

Motives and Origins of Gold Ownership among Private Individuals in Germany STEINBEIS UNIVERSITY BERLIN Motives and Origins of Gold Ownership among Private Individuals in Germany KLEINE Financial Study Munich, October 2011 Steinbeis Research Center for Financial Services Rossmarkt

More information

car MEMBERSHIP MANUAL If applying for membership you must read and understand all of this Manual before signing the Membership Application.

car MEMBERSHIP MANUAL If applying for membership you must read and understand all of this Manual before signing the Membership Application. MEMBERSHIP MANUAL 1. Introduction Welcome to the Nanaimo CarShare Cooperative. The terms and conditions in this Manual are for the benefit of our members, and the general well-being of the Nanaimo CarShare

More information

Insuring. vehicle. your. A guide to the principles of motor vehicle insurance to help you choose the cover you need.

Insuring. vehicle. your. A guide to the principles of motor vehicle insurance to help you choose the cover you need. Insuring your vehicle A guide to the principles of motor vehicle insurance to help you choose the cover you need. Motor vehicle insurance the facts There are three types of general insurance that cover

More information

DMV. OREGON TRAFFIC ACCIDENT AND INSURANCE REPORT Tear this sheet off your report, read and carefully follow the directions.

DMV. OREGON TRAFFIC ACCIDENT AND INSURANCE REPORT Tear this sheet off your report, read and carefully follow the directions. OREGON TRAFFIC ACCIDENT AND INSURANCE REPORT Tear this sheet off your report, read and carefully follow the directions. ONLY drivers involved in an accident resulting in any of the following MUST file

More information

Car Repair Rules in Germany

Car Repair Rules in Germany Kaiserslautern Legal Services Center Legal Assistance Information Car Repair Rules in Germany This information paper provides basic information only, and is not intended to serve as a substitute for a

More information

Adrian Flux Insurance information for first-time drivers

Adrian Flux Insurance information for first-time drivers Insurance information for first-time drivers Insurance information for first-time drivers Insurance is a topic that s not usually talked about a great deal when you re learning to drive. Instead you focus

More information

Welsh Fire and Rescue Services Road Safety Strategy 2015-2020

Welsh Fire and Rescue Services Road Safety Strategy 2015-2020 All Wales Call Challenge Welsh Fire and Rescue Services Road Safety Strategy 2015-2020 GWASANAETH TÂN AC ACHUB Canolbarth a Gorllewin Cymru Mid and West Wales FIRE AND RESCUE SERVICE 2 Contents Executive

More information

Motor Vehicle Accidents

Motor Vehicle Accidents Motor Vehicle Accidents Crash!!! Oh no, now what? It is often hard to know what to do if you are involved in a motor vehicle accident. What rights and responsibilities do you have? And what actions, if

More information

Volvo On Call. Owners Manual. Web Edition

Volvo On Call. Owners Manual. Web Edition Volvo On Call Owners Manual Web Edition DEAR VOLVO OWNER Thank you for choosing Volvo On Call. This document describes the functionality of the system, Volvo On Call. Best regards Volvo Car Corporation

More information

Optima private car insurance

Optima private car insurance abc Optima private car insurance This document is a guide to the cover we provide. It is only a summary and does not contain the full terms and conditions of the contract. For full details of your cover,

More information

Russian Automotive Industry: Governmental Policies and Priorities

Russian Automotive Industry: Governmental Policies and Priorities Ministry of Industry and Trade of the Russian Federation Informal document WP.29-155-39 (155 th WP.29, 15-18 November 2011, agenda item 6) Russian Automotive Industry: Governmental Policies and Priorities

More information

CARS AND CAR ALLOWANCES POLICY COMPANY CARS MSR ROUP. www.msrgroup.org.uk

CARS AND CAR ALLOWANCES POLICY COMPANY CARS MSR ROUP. www.msrgroup.org.uk COMPANY CARS MSR ROUP www.msrgroup.org.uk CARS AND CAR Company cars If you are provided with a company car, this will be set out in your contract of employment. Unless you are notified otherwise, a company

More information

A GUIDE TO MOTOR INSURANCE

A GUIDE TO MOTOR INSURANCE A GUIDE TO MOTOR INSURANCE Every year, one in six New Zealand policy holders will make a claim on their motor vehicle insurance, totalling over $300 million. That's why you should be insured. Motor vehicle

More information

Key-Practitioners' Report of

Key-Practitioners' Report of Specific Programme Criminal Justice European Commission Directorate-General Justice Directorate B: Criminal Justice INSTITUTE OF CONFLICT RESOLUTION SOFIA - BULGARIA Key-Practitioners' Report of GERMANY

More information

BUYING A CAR IN THE EUROPEAN UNION

BUYING A CAR IN THE EUROPEAN UNION BUYING A CAR IN THE EUROPEAN UNION European Consumer Centre Belgium Although some cars may be cheaper in other EU countries, it is important to calculate the overall cost before deciding to buy a car abroad.

More information

GIO Claim Notification Guide Motor

GIO Claim Notification Guide Motor GIO Claim Notification Guide Motor Date of Procedure: June 2015 Version: 1.0 ON BEHALF OF THE Table of Contents GIO Claims Notifications Motor... 3 Treasury Managed Fund (TMF)... 4 What is a claim?...

More information

Alcohol interlocks: towards a European approach for the fight against drinkdriving

Alcohol interlocks: towards a European approach for the fight against drinkdriving Ilyas Daoud Project Manager European Transport Safety Council Alcohol interlocks: towards a European approach for the fight against drinkdriving European Commission Representation in Poland Warsaw, 26

More information

OREGON TRAFFIC ACCIDENT AND INSURANCE REPORT

OREGON TRAFFIC ACCIDENT AND INSURANCE REPORT DMV OREGON TRAFFIC ACCIDENT AND INSURANCE REPORT Tear this sheet off your report, read and carefully follow the directions. ONLY drivers involved in an accident resulting in any of the following MUST file

More information

Amotor vehicle accident results in two separate and distinct claims the bodily injury

Amotor vehicle accident results in two separate and distinct claims the bodily injury Wayne Howell, PLLC Basic Property Damage Information Amotor vehicle accident results in two separate and distinct claims the bodily injury claim, for which you generally engage an attorney, and the property

More information

Drink driving in Europe

Drink driving in Europe Athens 25 th of November 2009 Drink driving in Europe Antonio Avenoso Introduction to ETSC A science-based approach to road safety policy Bringing together 42 organisations from across Europe to promote

More information

GE Capital. Fleet Policy. A step-by-step guide to writing your fleet policy. Key Solutions Thought Leadership

GE Capital. Fleet Policy. A step-by-step guide to writing your fleet policy. Key Solutions Thought Leadership GE Capital Fleet Policy A step-by-step guide to writing your fleet policy Key Solutions Thought Leadership A step by step guide to writing a fleet policy Any organisation that runs a company car or van

More information

PRIVATE CAR ACCIDENT REPORT FORM

PRIVATE CAR ACCIDENT REPORT FORM Tradewise Insurance Services Ltd PRIVATE CAR ACCIDENT REPORT FORM Link House 292-308 Southbury Road, Enfield, Middlesex EN1 1TS Tel: 0844 620 1234 Claims Department Fax: 020 8350 2350 ENSURE ALL SECTIONS

More information

UK and European breakdown cover

UK and European breakdown cover UK and European breakdown cover Introduction Welcome to UK and European breakdown cover This Motor Breakdown and accident recovery service is administered on behalf of The Co-operative Insurance by AXA

More information

Liability Claims Guidance Notes

Liability Claims Guidance Notes Liability Claims Guidance Notes It is important that you read and understand these guidance notes before When can a claim be made against the Council? completing the claim form To successfully claim compensation

More information