Vehicle forensics for motor claims and insurance fraud investigation
STORM’s Vehicle Forensics service helps insurers validate claims, assess liability, detect potential fraud and make more defensible decisions using data recovered from supported vehicles and related digital systems.
Objective evidence for complex motor claims
What is Vehicle Forensics?
Vehicle Forensics is STORM’s evidence-led service for motor insurers, using recoverable vehicle and digital data to support claim validation, liability assessment and fraud review.
Where supported vehicles and systems allow*, Vehicle Forensics can help establish what happened before, during and after an incident, giving claims teams clearer evidence for disputed, high-value or fraud-sensitive motor claims.
Where Vehicle Forensics can make a measurable difference
These are common situations where insurers need more than witness accounts to reach a sound decision.
Multiple collisions
Clarify the sequence of impacts and help establish which collision happened first.
Two-party disputes
Support claims where accounts conflict or there is no joint accident statement.
Staged or relocated scenes
Assess whether time, location or journey evidence matches the reported loss.
Pre-impact behaviour
Review recoverable data relating to speed, braking, steering input and vehicle activity.
Fraud indicators
Identify inconsistencies in timing, movement, account details or incident circumstances.
High-value claims
Provide stronger evidential support for sensitive, disputed or financially significant cases.
Why this matters for insurers
Motor claims are increasingly data-rich, but often still decision-poor
Modern vehicles record operational and crash-related information. At the same time, insurers continue to face fraud pressure and increasingly complex claims, including disputes involving newer connected and electric vehicles.
750k
Registered vehicles in Mauritius
At the end of December 2025, Mauritius had 746,961 registered vehicles, a 5.1% increase compared with 2024.
40k
Road traffic accidents in 2025
Mauritius recorded 40,220 road traffic accidents in 2025, with an accident rate of 3,355 per 100,000 mid-year population.
2.5k
EV registrations in 2025
NLTA data shows 2,449 electric vehicle registrations in 2025, supporting the need for capability across newer vehicle platforms.
Vehicle Compatibility Portal
Check compatibility before you escalate a claim
Not every vehicle will provide the same recoverable evidence. Compatibility depends on make, model, year, platform, vehicle condition, module availability and lawful access.
STORM’s triage process helps insurers understand early whether a case is suitable for Vehicle Forensics. Use the portal to submit basic case details. STORM will review whether the vehicle may be suitable for forensic examination and advise on next steps.
Details required:
Vehicle make, model and year
Incident type and claim summary
Vehicle condition and current access status
Electric, hybrid or internal combustion platform
The problem for insurers
Motor incidents are frequently assessed using statements, recollection, photos and third-party reports. In disputed claims, those sources may be incomplete, inconsistent or deliberately misleading.
Claims validation risk
Unclear facts can slow settlement or create pressure to pay on uncertain grounds.
Liability uncertainty
Where several vehicles are involved, the sequence of impact and causation can be difficult to establish.
Fraud exposure
Staged incidents, inflated narratives and betterment claims can increase loss ratios over time.
What we help establish
What happened?
Build a clearer picture of the sequence of events leading up to the loss.
When did it happen?
Support a timeline of relevant activity before, during and after the incident.
Where did it happen?
Assess whether location-related evidence aligns with the reported circumstances.
Who may have been involved?
Identify indicators linking the vehicle to connected devices, users or relevant activity.
How did the incident occur?
Support liability review by analysing recoverable crash and operational data.
How it works
A practical, insurer-friendly engagement model
The service is designed to fit within claims workflows and provide decision-useful outputs quickly and clearly.
1.
We assess the claim scenario, vehicle compatibility and evidential opportunity before full engagement.
Triage
2.
Where appropriate, we conduct forensic collection from the supported vehicle and relevant digital sources.
Evidence capture
3.
We interpret the evidence and produce a report focused on claims validation, liability and fraud indicators.
Analysis and reporting
4.
Where needed, we support adjusters, solicitors or legal teams with further clarification and expert input.
Expert support
Contact STORM Guidance
Start a conversation that leads to cyber confidence:
Mauritius: +230-434-1277
UK/Europe: +44-203-693-7480
India: 0008001004277
USA: +1-703-232-9015
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