Verification of airbag activation during collision of vehicles with the use of SDC method

Abstract eng:
One of the negative effects of motorization development are road collisions which involve the need to carry out post-accident repairs. Costs of post-accident repairs, especially of airbag systems and safety belt tensioners, are high and are not covered by insurance policies. Therefore, it happens that vehicle users arrange collisions to file fraudulent insurance claims to extort money from insurance companies for the vehicle repair. Methods for money extortion are getting more and more sophisticated and involve installation of previously blown airbags as having been activated in a collision reported to the insurer. The study presents a research method SDC providing the possibility of efficient verification of the crash and activation of the vehicle airbags. A statistical analysis (S) dynamic analysis(D) and analysis of characteristic damage (C) are used for verification of a road event in SDC convention. An analysis of a crash with the use of the proposed method is supported by a developed computer tool to be used in order to provide automatization of the verification decision process. The research covered as many as 90 claims which were under court proceedings. The results of investigations show that insurance companies do not use effective methods to verify crashes of vehicles. Use of SDC method allows to detect damage caused by a collision. Thus, the results have a practical and cognitive advantage. The article provides information how to use the SDC method in practice which can be useful for experts, researchers and program designers.

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