---
title: My Way Or The Highway Code
description: Horse riders, cyclists and pedestrians given significant priority over drivers. Claims involving vulnerable road users may well need a second glance...
image: https://www.360globalnet.com/hubfs/pexels-marieke-sch%C3%83%C2%B6nfeld-2514035%20copy-1.jpg
---

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# My way or the highway

February 15th, 2022

Remember the Highway Code? You know, that document you last glanced at the day before you took your driving test but never opened again? Well, it changed recently, impacting anyone in a claims department who can just about remember what a round red sign with a white line means but perhaps hasn’t realised that incoming claims involving vulnerable road users may well need a second glance in light of the revisions. So, let’s take that look together.

Much to the joy of ardent campaigners from the horse, cycling and pedestrian lobbies, the new revision gives them a significant priority over drivers when it comes to the shared highway. You won’t need a root and branch change to your claims handling assessment and triaging… but you might well need a darn good pair of secateurs to make some adjustments!

For insurers, having the agility to accommodate these changes to the Highway Code allowing real-time assessment of liability and severity will become pivotal in enabling the right routing to the appropriate claim handling teams.

Resolving liability for collisions involving cyclists, pedestrians and animals has always been challenging but at 360Globalnet, we’ve been providing clients with the technology to stay one step ahead of potential large losses for the last decade. Our motto is simply that if you can see the whole claim quickly, you can settle it quickly, please the claimant, retain your customer and most of all cut operational costs and time lag. Early investigation is hard-wired into our systems. It allows you to gather witness evidence and details of the accident location with digital statements, photo and video uploads either a via a ‘claim button’ self-serve process, over the telephone or in real-time by video streaming.

In addition, our [data analysis](https://www.360globalnet.com/en/data-analytics) tool, [360Retrieve](https://www.360globalnet.com/en/unstructured-data-management-and-analysis), that can ingest and handle unstructured, semi-structured and fully structured data, means insurers get notifications on claims involving a pedestrian, cyclist or a horse rider as soon as the claim comes in. It empowers insurers to redirect claims to the correct handling teams for appropriate management and — in the process — unlocks the opportunity to make accurate liability decisions much earlier in the claims’ lifecycle.

What is this [unstructured data](https://www.360globalnet.com/en/unstructured-data-analysis) you say? That’s not in the highway code… no, but it is everywhere else and accounts for the data blackholes that cause so many claims that urgently need attention to slip under the radar. Insurers are generally able to search just 15-20% of the total data associated with claims. The rest sits in emails, documents, PDFs, images, letters and invoices opaque to those who need the information. Our technology ingests all unstructured data then [joins it with internal and external data sources](https://www.360globalnet.com/en/data-extraction-and-joining) giving the Insurer access to everything, set out in graphs that can but cut, pivoted and drilled into. This level of data access gives insurers the chance to see emerging patterns and trends as they appear, not in the long (and too-late-to-do-anything) hindsight of settled claims analysis.

From an underwriting perspective, those who can react quickly to the Highway Code and any other changes to the nature of incidents that involve vulnerable road users as they occur will enjoy a competitive rating advantage.

So, while you don’t need to work out why the tyres cross each other on a slippery road sign, [360Retrieve](https://www.360globalnet.com/en/unstructured-data-management-and-analysis) can give you a unique opportunity to identify and prioritise all types of claims and report on the widest range of data points. Whether it is claims involving pedestrians, cyclists or horse riders; claimants’ representatives, type of injuries sustained or time of accident… we can offer more insight earlier in the claim lifecycle.

So, let’s work together before your CEO calls an emergency stop on vulnerable claims.

[Get in touch today.](https://www.360globalnet.com/en/find-out-more-about-360retrieve)

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