Digital and technology: insurance companies are testing technologies against insurance fraud

Kloppo’s glasses

(PB/TRD/MID) Scammers not only send doctored pictures of the damage to your car, they even send photos stolen from the internet to inflate the damage amount. An interdisciplinary project from the Fraunhofer Institute for Secure Information Technology (SIT) stands in his way.

And the first insurance companies in Germany are already testing the technologies.

According to the General Association of the German Insurance Industry, around ten percent of claims payments in accident insurance are based on fraud. With three technologies developed by SIT, insurance companies can now automatically track doubtful cases. Images, text and financial data can be examined using the new methods.

Insurance fraudsters are quite inventive and often fabricate evidence. For example, they edit the pictures that are sent with the accident report so that the damage appears larger: the dent on the car can suddenly be seen three times on the side door, or the scratch on the paint is much longer than expected. it is in real life. “Some images have already been submitted for other cases, or were simply pulled from the Internet and reported to the insurance company with a fictitious damage report,” the researchers say. And that’s where the “Kloppo” glasses come into play. But the Fraunhofer SIT software not only automatically recognizes them as fake thanks to forensic imaging technologies. Click here to access the blog news portal

“Insurance fraudsters often use different identities to file many bogus cases,” experts say. “Or an insurance company sales rep reports large damages himself and defrauds his employer.” Thanks to SIT analysis, insurance companies can also track this type of fraud. The software compares the style of the individual case description with the reference texts and, if necessary, finds matches in terms of authorship in fractions of a second. Impressive: the tool analyzes 500 case descriptions in seven seconds.

However, unusual accumulations can also be discovered with numerical analysis of financial data. And fraudulent workshops or appraisers can be identified, for example, who systematically calculate excessive damages.

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