Negligence & Shared Fault Audit Application

Automated mathematical allocation of negligence, statement contradiction telemetry, and state-by-state subrogation verification.

Collision Parameters

Collision Type / Intersection

Vehicle A Speed (MPH)

25 MPH

Vehicle B Speed (MPH)

45 MPH

Road & Weather Condition

Driver Statement Variance

Jurisdiction Negligence Doctrine

Live Audit Output

Vehicle A Liability

30%

Vehicle B Liability

70%

Structured JSON Telemetry Payload Validated

Core Applications & Functions

Recorded Voice Statement Parsing

▼

Automatically transcribes recorded driver statement audio channels (WAV/MP3). Generates word-level timestamps and uses semantic comparison rules to detect statement differences between the First Notice of Loss (FNOL) logs and subsequent formal interviews.

Coordinate & Speed Vector Mapping

▼

Applies physics algorithms combining coefficient of friction variables (dry vs. wet/slick road surfaces) and statement speed declarations. Programmatically projects pre-impact and post-impact trajectory coordinates to determine if physical skidding/stopping distances match stated driver velocities.

Jurisdictional Negligence Doctrine Verification

▼

Cross-references the computed fault percentages with specific state liability laws (Pure Comparative, 50% Bar Rule, 51% Bar Rule, or Pure Contributory Negligence). Warns adjusting teams if the adverse driver's liability falls below the statutory threshold to prevent invalid subrogation outbound claims.

Technical Requirements & Specifications

Parameter	Standard Specification	Integration Hook
Audio Ingestion Format	8kHz / 16-bit Mono/Dual-channel WAV, MP3	Telephony Hook (Twilio API, Genesys Cloud CloudEvent)
Compliance Auditing Standard	< Sub-second computation latency	Guidewire ClaimCenter XML / REST Webhook
Document Extraction	Police Reports (PDF), Metadata JSON (CCC ONE)	REST Ingestion Endpoint (POST /v1/audit/doc)
Security & Enclave Rules	Standard encryption and localized security controls	Corporate VPN Gateways