Staged Accident Investigation
Two policyholders submitted simultaneous claims following a reported collision. A pattern review triggered a fraud referral investigation.
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Vehicle Claims
Salvage Value Dispute Review
Salvage & Vehicle Damage Verification
A commercial fleet operator disputed the total loss valuation provided by their insurer following a significant vehicle write-off.
Background
A commercial fleet operator disputed the total loss assessment and salvage valuation following a significant vehicle write-off. The operator maintained that the insurer's salvage offer materially undervalued the vehicle, leading to a formal dispute.
The Challenge
The vehicle had already been moved from the incident scene and partially stripped for initial assessment before our engagement. Establishing an accurate residual value required working from available physical evidence and market data rather than the original scene.
Investigation Approach
Our investigators attended the salvage yard and conducted a systematic inspection of the remaining vehicle structure and parts. Recoverable component condition was assessed against current market rates, and a comparative salvage market analysis was compiled using current Kenyan salvage data.
Findings
The assessment identified several high-value recoverable components that had not been factored into the insurer's original valuation. The independent residual market value was assessed at a figure materially higher than the initial insurer offer.
Outcome
Dispute Resolved
Our report was presented to both parties. The insurer agreed to revise the salvage offer to reflect the independent assessment. The dispute was resolved without litigation, and both parties accepted the revised valuation.