Drones and Auto Insurance: How Drones Became an Unlikely Auto Insurance Tool

Nikkei Asian Review

When you think about drones, you might be picturing an unmanned flying device soaring over a picturesque vista, capturing footage a human would be hard-pressed to acquire on their own. However, did you know that drones are quickly becoming a favorite tool of the auto insurance industry? As it turns out, the nascent flying robot technology behind drones makes an unlikely tool in the repertoire of property and casualty insurance.

But how, exactly, are drones going to play a role in auto insurance? Well, that’s where Belgian consulting firm Accenture comes in. Accenture is pioneering technology to equip cities all over the world with fleets of drones for use in scanning accident sites and reporting accurate information to insurance companies.

How Will Drones Work with Motor Insurance?

Accenture describes its plan, where auto insurance companies will have fleets of drones at various locations throughout major cities. When a car gets into an accident, it will be able to send a signal to a nearby drone station so it can send the automated device to the scene of the accident. When the unmanned robot arrives, it can quickly take photos of the scene, scan for anyone who is injured, and get a very accurate picture of the scene from a third-party, overhead vantage point.

This process allows the drone to create a digital snapshot of the accident and ascertain a number of important things for an auto insurance company. Firstly, it can make predictions about the cost of repairs, estimate things like which spare parts will be needed, and help both parties’ insurance agencies determine the increase in rates for those involved in the accident.

Helping People, First and Foremost

This process will allow the drone to quickly send a report of the accident to the insurance customers involved. As such, they will be able to quickly initiate the claims process, and both the insurance company and the insured party will be on the same page about what happened and how to proceed with the claims.

Beyond just helping with data and claims, however, Accenture hopes that these drones will help people, first and foremost. One way the drones will do just that is by sending images of crashes that seem particularly lethal or dangerous to emergency services so first responders can prioritize crashes where people are in urgent need of medical care.