ROADSIDE disputes over who was to blame in an accident and fraudulent crash-for-cash scams could be coming to an end.
Insurers are turning to hi-tech computers to tell exactly what happened without relying on a "he said, she said" argument.
That could even extend to recreating CGI clips of the crash using data from black boxes fitted to modern motors, according to experts.
Cars are already able to automatically send a Google Street View picture of your location to insurers when you have a crash.
And in the future, the data collected from all cars in an incident including speed, direction and braking force could be turned into a computer simulation that'd show who was to blame.
This would speed up claims, end expensive legal battles and stop fraudsters cashing in.
What is a black box?
Telematics insurance policies - also known as black boxes - are a great way for young drivers to cut premiums.
They use GPS tracking data to know where, when and how fast you're driving.
For 17 to 20 year olds, fitting a black box can save an average of £202 a year on car insurance premiums.
Increasingly, telematics policies are being offered to all drivers to enable insurers to set personal prices.
The policies are often tied up with an app that provides a feedback score at the end of a journey.
Drive safely and score well and you can be rewarded by even cheaper premiums in the future or other rewards.
Adam Gooch, director at telematics firm ITS, told The Sun: "It's certainly possible. We are working on quite a few things with large insurers to increase our claims offering."
ITS is already working with Microsoft on crash analysis with more hi-tech projects in the pipeline.
And Gooch explained it wasn't about insurers snooping on drivers but would mean you get a fairer - and potentially cheaper - premium.
Gooch added: "It gives policyholders a far better experience. Insurers can deal with liability far quicker.
"And the more effective they are able to be, they can put that back into premiums."
Black box tech will also help tailor premiums so good drivers pay less regardless of job, location and age.
Currently assumptions are made about you based on your profile but telematics will mean you get an individual price based on your performance.
Gooch said: "It's giving insurers the visibility on a driver so they can price accordingly."