How AI-Generated Damage Manipulation Increases Risks for Insurers — and Why the Market Needs VIEWAPP
A new wave of fraud is emerging on the insurance market, driven by generative AI. Fraudsters can now create fake vehicle damage photos using just a single real image — quickly, cheaply, and with a high degree of visual realism. Such images often contain no obvious artifacts and can mislead even trained experts when no technological verification is in place.
This type of falsification poses a direct threat to all insurers who rely on photo and video materials in the claims process.
New Threats: What Exactly AI Can Fake
Generating damage on top of real photos
Modern AI models can convincingly add:
• dents and metal tears,
• scratches and deformation,
• impact marks — making the image appear authentic even under close inspection.
Artificial or missing metadata
AI-generated images may:
• have no EXIF data,
• contain entirely fabricated metadata,
• obscure the origin of the image.
Loss of contextual proof
If photo upload from a device gallery is allowed, a fraudster can submit only fake images, with no:
• sequence confirmation,
• real surroundings,
• geolocation linkage.
Scalable fraud
Generative tools allow fakes to be produced in large quantities, raising the likelihood of systemic and significant financial losses.
Why Classic Photo-Based Claims Are Becoming Vulnerable
When an insurer allows customers to document damage in any convenient way, without technological safeguards:
• the time and location of the photos cannot be confirmed;
• the authenticity of the damage cannot be verified;
• convincing fraudulent materials may pass expert review.
This format is outdated and unsafe.
It is inconvenient for the policyholder (no guidance, no structure, frequent mistakes) and dangerous for the insurer (high fraud exposure, repeated requests, lack of standardization).
The market needs a modern technological process that protects data, prevents falsifications, and accelerates claims handling.
How VIEWAPP Protects Insurers From AI-Generated Fake Damage
VIEWAPP was designed from the start as a full visual verification system — not just a photo-taking tool. AI-generated fakes cannot pass the platform’s multilayer verification.
1. Video capture with full process control
Inspection scenarios include:
• mandatory continuous video recording,
• controlled angles,
• confirmation of natural device movement in real space.
Such sequences cannot be forged: AI works with still images, not with live motion.
2. Geolocation and contextual environment verification
Each photo and video is captured with:
• GPS,
• average movement speed,
• track angles.
Fake images do not match the real capture context.
3. Neural-network detection of visual anomalies
VIEWAPP’s AI modules detect:
• unnatural textures,
• incorrect shadows and reflections,
• editing traces,
• pixel inconsistencies,
• screen-to-screen captures,
• compositing artifacts.
This applies not only to AI-generated images but also to other forms of manipulation — object substitution, geolocation spoofing, and more.
4. No uploading of pre-made images
All photos and videos are created directly inside the application.
Uploading pre-generated files is impossible.
This cuts off fraud schemes involving AI-created damage completely.
5. Legally robust recording of the inspection process
An inspection is created as a single verified act containing:
• time,
• coordinates,
• authorship,
• device identity,
• confirmed continuity.
This makes any kind of falsified image useless — it fails against every verification layer.
Why Insurers Need VIEWAPP
The emergence of easy-to-generate fake damage marks a new stage of fraud development.
Fraudsters are moving from manual manipulations to automated pipelines, multiplying the scale of risks.
The only effective response is technological control that cannot be bypassed by simple image generation tools.
VIEWAPP provides insurers with:
• protection against AI-driven falsifications,
• reduced loss ratios,
• faster claims handling,
• standardized data,
• convenience for both customers and experts.
It makes the claims process simultaneously safer, faster, and more transparent.