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CDR for Auto Insurance SIUs and Claims Adjusters

Unbiased evidence used for evaluating auto claims

Event Data Recorder (EDR) capabilities have become increasingly important in automobile insurance claim investigations because EDRs store potentially important data proven by many insurance carriers to be useful in evaluating auto losses. The EDR is a function of the vehicle supplemental restraint system (SRS). When certain conditions are met, the EDR may record data associated with sudden changes in direction and/or rotation (i.e. a collision). With over 150 million registered vehicles supported, Bosch CDR Tool has become indispensable for the auto insurance industry.

There is nothing to install; the event data recorder (EDR) functionality is already a part of most production vehicles today. Simply attach the correct CDR cable to the vehicle and retrieve an image of the vehicle crash data directly to your computer, then print or electronically attach a PDF of the report to the claim file. The Bosch Crash Data Retrieval Tool currently supports over 17 auto manufacturer lines.

EDR data may aid claim investigation and adjustment by providing unbiased information about the loss such as:

  • What was the vehicle speed leading up to the impact?
  • Was the vehicle accelerating, slowing, or braking seconds before impact?
  • Where occupant(s) were seated and were they belted?
  • Order of impacts during an in-line, multi-vehicle collision?
  • Was the operator steering left or right leading up to the impact?
  • What was the severity of the impact (measured in delta-V)?
  • Was the vehicle moving or stopped prior to impact?
  • Was a vehicle truly damaged while parked and unattended?

While the information obtained using the CDR Tool can be calculated using traditional accident reconstruction methods, those calculations sometimes rely on subjective witness statements, police reports and other potentially unreliable information. EDR data has been proven reliable, objective, and unbiased.

Benefits of using the Bosch CDR Tool:

  • Better case evaluation
  • Identification of fraudulent claims
  • Liability evaluation
  • Better settlement decisions
  • Expedited claims cycles
  • Efficient operation support
  • Confidence in other evidence
Bosch CDR Tool
The Bosch CDR DLC Tool
The essential tool for SIU and Claim Adjusters.
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Civil liberty and privacy groups have raised concerns about the implications of EDRs "spying" on car users, particularly as the issue of "who owns the data" has not yet been fully resolved. This is often the case with new technologies as the general public doesn't understand the technology or its purpose. The EDR does not record audio or video, does not have GPS capabilities, and it does not record driving habits. It only records a short amount of time (typically 5 seconds) prior to an impact.

The best practice when retrieving EDR data using the CDR Tool is to have a release form and ask the insured to agree and sign it before retrieving the data. The answer can be as simple as "yes, you have permission" or "no you do not."

In some instances, the release form can be considered a duty of the insured as established in the "cooperation clause" contained in most insurance policies where the insured has already agreed to cooperate with the investigation as a condition of the policy. Because the ACM records crash data only seconds before the "event" and does not record any "personal" or identifying information (video, audio, habits, etc.), the request to collect the crash data is viewed as being a typical and reasonable request. In many cases, an insured who feels wrongly accused will request the crash data be collected in hopes of verifying their version of the event. In contrast, when an insured is informed that their vehicle data is going to be retrieved, many withdraw their claim because they may have not been completely honest.

IASIU 2016
Red Rock Hotel, Las Vegas

Car "Black Boxes" Myths, Realities & Fraud Fighting

In September 2016, IASIU held their annual fraud conference in Las Vegas. Rusty Haight of Collision Safety Institute delivered a compelling break-out session on effectively using the Bosch Crash Data Retrieval Tool as a part of the claim process and fighting fraud.


Download PDF

In addition, Shawn Harrington with ARCCA gave a presentation that touched on the use of the CDR Tool as a integral part of investigating fraudulent accident claims.

It has become apparent that the Crash Data Retrieval Tool is effectively being used and becoming a necessary part of evidence collection for fraudulent accident claims.

Request a Free CDR Webinar

Information Video

CDR video of fraudulent accident claims

VIDEO: Crash Data Retrieval in Evaluating Fraudulent Claims (Time 13:18)


DLC imaging of a 2006 Chevrolet Silverado

VIDEO: DLC Imaging of 2006 Chevrolet Silverado (Time 3:40)


How to CDR ACM benchtop download

VIDEO: How to: Direct-to-module Imaging, benchtop method (Time 5:19)



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