FNOL Incident Detection

Immediately begin assisting the policyholder with the best course of action.

When an incident takes place, the involved vehicles are frequently towed and taken to a storage lot. This not only delays the repair and adds to the claims cost, but during this time, the owner also loses visibility on where their car is located and its status. IMS’ Incident Detection service leverages IMS’ advanced analytics capabilities to inform your FNOL process and accurately identify likely collision incidents. In doing so, it reduces inefficient claims expenditure due to avoidable secondary towing and storage charges.

Incident detection for the FNOL (First-Notice-of-Loss) insurance process can provide auto insurers with rapid notification of a claims incident, allowing insurers to immediately begin assisting the policyholder and processing the claim, while directing the towing service to the policyholder’s desired service center. It does so by leveraging available device sensors (e.g. accelerometer, gyroscope), collected driving data (e.g. speed), and contextual data sources (e.g. road segment data to detect crashes with high confidence. This enables IMS’ Incident Detection capabilities including intelligent delivery of crash notifications to program participants, and their emergency contacts, as needed.

Effective claims management including, First Notice Of Loss (FNOL), can reduce the average total cost of a claim by up to $800 if reported within 30 minutes and enable insurers to detect and prevent fraud, which collectively cost US insurers $5 – $7 billion annually.


IMS’ Incident Detection Service

What’s Included:

  • Data cleansing
  • Geo-spatial reconstruction and contextual analysis and reconstruction
  • Incident vehicle dynamics profile analysis

At the point of incident detection using IMS’ Incident Detection service, insurance agents can immediately:

  • Determine the state of the driver and offer to contact emergency services.
  • Confirm whether the vehicle requires towing.
  • Confirm the driver’s consent to initiate a claim/FNOL event with their insurer.
  • Extend valuable and convenient services such as arranging for a car rental or hotel in accordance to the driver’s policy.


  • Reduce and manage claims costs with right-time collision and location information for incident assessment purposes – helping avoid unnecessary towing and storage charges.
  • Improve response times with detailed reconstructions of incidents and associated driving behaviors.
  • Minimize the latency between each incident and the resolution of the incident claim.
  • Mitigate risk of excessive, non-reimbursable claims costs to the policyholder.
  • Improved peace of mind for drivers knowing their incident is being resolved efficiently, carefully and with their interests also in mind.

Contact us for more information


White Paper

Comparing Smartphone, Self-Powered, OBD, Black Box, and OEM Embedded Devices

Learn the pros and cons of telematics data collection technology for insurance telematics/UBI program planning.