According to industry studies, over forty percent of reported soft-tissue claims stem from non-existent, pre-existing or exaggerated injuries. With seventeen to twenty cents on every claim payment dollar attributed to soft fraud, insurers are depending on forensic technology to identify injuries that are causally related to automobile collisions.

WrExpert evaluates cause and effect

WrExpert is a technology that analyzes objective vehicle damage from automobile collisions and provides detailed impact severity and injury causation evaluations. As a result, WrExpert offers a more cost-effective and scalable alternative to independent accident reconstruction or bio mechanical experts. By defining the impact severity and the related injuries the occupants were likely or unlikely to have sustained, WrExpert helps determine what is legitimately owed for injury claims, reducing overpayments for fraudulent soft-tissue injury claims as much as 70 percent. Other benefits include:

• Improved claims investigation. WrExpert provides focus on the most relevant accident and injury information when taking statements and assists in standardizing data accumulation and claims documentation.
• Reduced cycle time. Impact severity and injury causation evaluations are available as soon as repair estimates are written or obtained. These evaluations enable early intervention to deter exaggerated injury claims related to minor or moderate impacts.
• Increased BI settlement accuracy and consistency. WrExpert improves settlement consistency for similar impact severities with similar injuries by providing objective information on the impact severity and injuries expected, if any, from a collision.
• Enhanced claims adjusting skills. WrExpert-trained claims professionals gain a better understanding of the concepts of accident severity and injury causation. This helps them accurately determine the nature and extent of collision forces, recognize whether an opportunity for injury exists, and understand and apply these concepts to claim evaluations.
• Immediate results. The benefits start as soon as WrExpert is deployed.

Put WrExpert to work for you

WrExpert analyzes damage repair estimate information and damage profiles from photographs coupled with its extensive database of vehicle specifications and crash performance data to determine the point of impact, angle of impact, principal direction of force and impact severity. Next, WrExpert accumulates objective information about the person(s) claiming injury, their seating location and position in the vehicle at the time of the accident and the nature and character of injuries claimed. WrExpert then evaluates injury causation for a wide variety of injuries using engineering and medical analyses and data stored in the WrExpert reference library from over 4,100 human-subject crash tests.

Why WrExpert?

• WrExpert is the only claims technology in the auto insurance industry that provides objective and scientific insight into accident severity and occupant injury potential.
• WrExpert delivers analyses immediately through the Internet and is scalable to any level of usage for companies of all sizes.
• WrExpert was developed by physicians, engineers, physician-engineers and claims professionals who are internationally recognized experts in the application of scientific principles to the claims process.
• WrExpert is the most widely used impact severity and injury causation tool in the insurance industry with over ten years of proven results.