Motor Liability Claims Investigation

Our standard enquiries include interviewing and obtaining detailed statements from the policyholder or named driver in charge of the vehicle at the time of the accident, concerning the events leading up to and following the accident, and in respect of indemnity. Enquiries are also made with the Police and DVLA. Signed mandates providing permission will be obtained in this regard.

We will also inspect the accident locus and provide a locus report to include sketch plans showing the road layout, road markings, movement of vehicles, and the points where the images were taken. A detailed investigation report will provide full details of our investigation into both indemnity and liability, photographs taken at the time of the investigation together with signed CPR format statements from the policyholder and any witnesses.
 
If the vehicle has not been recovered for repair, then we will also provide photographs of the damage or lack of damage as the case may be. We will also endeavour to secure CCTV, dashcam footage and black box recorders. Where appropriate we can reconstruct and video the path, view, and conditions from both the policyholder’s view and that of the third party. This is especially useful for roundabout collisions or places where it is dangerous to stop. Google Earth can also be a useful tool for images and approximate measurements in this regard. We will also obtain a sketch plan from the policyholder and witnesses.
We can provide video evidence and timings of traffic light sequences where one party alleges the other has jumped the lights. In addition, we will make enquiries into the history of the vehicle to include MOT, servicing, and the purchase of the vehicle where necessary.
 
If required we can provide services in terms of open source intelligence; track and trace enquiries to trace policyholders, third parties and witnesses; and carry out cold calls should Insurers be unable to obtain a response to telephone calls and letters, etc. We can also provide surveillance services to obtain video footage in order to evidence a claimant exaggerating or fabricating their injuries.