Fleet News

Dashcam footage saves £16,000 fleet claim in traffic light accident

A fleet avoided a £16,000 insurance claim after his VisionTrack 3G dashcam video proved he was the innocent victim of a motorist jumping a red light.

The footage showed the Ford Transit going through a green light at a junction in Sydenham, South London.

Seconds later, the Transit was in collision with a Nissan Note coming from the opposite direction which jumped a red light at the same junction.

The Nissan driver denied all responsibility for the crash and submitted third party costs of £16,206 including personal injury claims for three occupants of the car.

Immediately after this incident occurred, the footage was sent via the VisionTrack cloud platform to the Ford Transit driver's insurer with all relevant data such as the driver's speed at the time of the collision.

This footage was disclosed to the Nissan driver's insurers - and they immediately admitted full liability and withdrew their claim.

It enabled the insurers to make an instant judgement on liability - so the claim could be settled quickly and in the most cost-effective way.

Jumping red lights is one of the biggest causes of road collisions on Britain's roads

Nearly a third of all drivers have admitted driving through a red light – and almost a third of that group has admitted doing it deliberately because they were in a rush.

There are more traffic lights on Britain's roads than ever before - 33,800 traffic light systems, an increase of 23% since 2013.

Daily commuters spend an average of eight minutes stuck at lights on red - a fifth of the time they spend travelling to work.

VisionTrack managing director Simon Marsh said: "We've never had more traffic lights on Britain's roads and we have never had more drivers jumping red lights.

"The VisionTrack footage was vital in this case - proving instantly that the fleet driver was completely innocent and dismissing an insurance claim that had already spiralled to more than £16,000 for the third party alone.

"Without the footage showing clearly the Transit had gone through a green light there is every chance that the case would have been resolved without either side admitting liability.

"The fleet would have had the cost of this incident on their claims experience and their insurance premium would have increased.

"The worrying thing about this case was that the red light jumping was so blatant - yet the Nissan driver was willing to pursue a personal injury claim for several occupants of the vehicle."

VisionTrack released the footage as fleets will potentially face a 'double whammy' hike in their premiums.

Chancellor Philip Hammond confirmed in the Budget that the Insurance Premium Tax will rise from 10% to 12% from June.

This follows the Ministry of Justice reducing the discount rate of insurance pay-outs from 2.5% to minus 0.75% for those suffering long-term injuries.

Marsh added: "Fleets have received two big blows in the last month which will add a significant amount to their insurance premiums with the confirmed changes to IPT and the ‘Ogden rate’ injury payments.

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  • Matt Eastwood - 22/03/2017 10:58

    It would have been even better if the police had prosecuted the third party for dangerous driving, that would send a clear message!

  • Guest - 22/03/2017 11:12

    If the Nissan "jumped" a red light, why is the Audi behind following them? Is it not possible that both lights were on green but the van had right of way? This happens at several traffic lights. the withdrawal of the claim speaks for itself but it is odd the Audi went as well!

    • mb - 22/03/2017 14:59

      "it is odd the Audi went as well!" Not really, the only difference between this Audi driver and most other Audi drivers is that this poor guy got caught out, and on camera. Most Audi drivers drive like him (or her) all the time but are fortunate enough not to get caught out. Audi drivers are trying extremely hard to win the coveted "Car brands considered to have the worst drivers" accolade Read more at http://www.gocompare.com/press-office/2015/442694/hated-car-brands/#OOjdIclbFFOsVvcK.99

    • LRH - 27/03/2017 11:28

      I categorise the Audi driver in this case, as blindly following the car in front. I suspect the Audi driver was unaware of the red light, and simply followed the Nissan through. I see this often at busy junctions.

  • RomeoSierra - 22/03/2017 11:19

    Interesting story. What though is more interesting is to find out the repercussions for the Nissan Driver. Hopefully an "At Fault Accident" against his name and therefore MUCH higher insurance premiums in the future. I would certainly not want to insure him/her. Also - why are the police not involved - surely this is worth 6 points on his/her Licence? Indeed - is there a charge of Attempted Fraud that coul dbe made here.

  • Philip Hastings - 22/03/2017 19:59

    The transit actually moved off on red/amber: had the driver waited for green before moving, he/she may have observed the Nissan and Audi earlier. The green aspect actually means "go, if clear and safe to do so", which compels a driver to check what is happening all around before moving off.

  • Sage & Onion - 23/03/2017 11:27

    Looks to me like both parties are chancers, one jumping the lights ahead of the full change to green and the other jumping the lights on or just after amber. But at least with such evidence a clear decision can be made otherwise this would have resulted in a 50/50 decision with insurers raising the premiums on BOTH policies.

  • mel@tinystaxis.co.uk - 24/03/2017 13:02

    Good points BUT prevention is better than cure and if possible meaning that it’s not a blind junction you should always look or at least glance both ways before proceeding through green lights (a useful tip for mini roundabout too) as it can save you being involved in a none fault !!collision, looking at the cam footage it appears the transit driver took off very smartly, don’t know where they were looking but certainly never looked to the right where the vision was excellent and they could have easily stopped and let the OFFENDING DRIVERS through, I don’t think 50/50 would have been fair certainty not the 100% without the cam footage but had they practiced better observation the collision could have been avoided though had the other driver not jumped red lights it would not have happened either, there's no such thing as the perfect driver as we all get distracted, but had the Transit driver not been in such rush and at least looked out for the more and more common these days red light jumpers this collision could have been easily avoided.

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