Insurance Fraud as a Global Problem and VIEWAPP's Capabilities in Preventing It
Insurance fraud has long ceased to be a problem confined to individual companies or countries. Today, it represents one of the biggest challenges facing the global insurance industry. According to various industry studies, insurance fraud costs insurers billions of dollars annually. Beyond direct financial losses, it increases the cost of insurance for honest policyholders, complicates claims settlement processes, and forces insurance companies to continually invest in new control tools.
As technology evolves, fraudulent schemes are becoming increasingly sophisticated, and the emergence of generative artificial intelligence has taken them to an entirely new level.
Just a few years ago, most fraudulent attempts involved using someone else's photos, concealing pre-existing damage, or submitting the same claim for the same loss multiple times. Today, the landscape has changed. With modern AI tools, fraudsters can generate realistic images, manipulate photographs, forge documents, and even create videos that appear entirely authentic at first glance. This is precisely why the world's largest insurance market players are increasingly focusing not only on detecting fraud but also on preventing it at the stage when materials for inspection are first obtained.
Why is this so critical?
Consider one common scheme. A vehicle has already sustained severe damage or is effectively a total loss. Before taking out a policy, fraudsters present for the pre-insurance inspection, via photos and videos, an identical undamaged vehicle of the same make, model, and color. After the policy is issued, they report a claim, and the insurer risks paying out tens of thousands of dollars for damage that existed before the coverage even began.
Each such case represents a significant financial loss. And remember — such schemes are not carried out on a single vehicle but on thousands of vehicles, as well as apartments, houses, commercial properties, and other assets. This is precisely why insurance fraud is considered a global problem, and its consequences ultimately impact the cost of insurance for honest customers.
Experts at Guidewire note in their publication that the insurance industry is already facing a new category of fraud — the use of synthetic images, videos, and documents generated by artificial intelligence. At the same time, traditional verification methods are proving insufficient.
According to Deloitte estimates, artificial intelligence technologies are becoming one of the key tools in combating insurance fraud. Analysts expect that the implementation of intelligent systems will allow insurers to significantly reduce losses and improve decision-making quality in claims settlement.
It is clear that effective protection begins not when a claim has already been filed with the insurance company. It is far more reliable to make falsifying materials as difficult as possible from the very outset.
This is precisely the principle on which VIEWAPP is built.
Instead of uploading arbitrary photos, the user undergoes a digital inspection following a pre-defined scenario. The application provides step-by-step guidance on what actions to take, which photos to capture, and at what angles to shoot the object. Photo and video materials are created directly during the inspection and are immediately transmitted to the server, rather than being uploaded later from the device's gallery — eliminating the possibility of loading AI-generated materials.
VIEWAPP does not check only the images themselves. The platform analyzes the entire inspection process: the sequence of scenario completion, the consistency of materials with one another, signs of potential substitution, traces of editing, and numerous other digital parameters. If the system detects potential discrepancies, the expert receives corresponding alerts and can dedicate heightened attention to such cases.
This is exactly why the vehicle-substitution scheme described above becomes significantly more difficult to execute:
- It is not enough to simply show a similar object or provide a convincing set of photos.
- The entire digital inspection scenario must be completed, and any suspicious inconsistencies can be flagged by the system before a decision is even made.
- In effect, a fraudster would have to reproduce the entire digital inspection process with a substituted object, rather than merely submitting a few pre-prepared photos. This substantially increases the cost and complexity of such schemes, rendering many of them economically unviable.
Ultimately, the expert works not with a set of images but with a verified digital history of the inspection.
This approach is particularly relevant in the era of generative artificial intelligence. As faking an individual photograph becomes easier, the value of verifying the entire data acquisition process increases accordingly. Trust should be placed not only in the image itself but also in how, when, and under what conditions it was obtained.
VIEWAPP does not replace the expert. On the contrary, the platform helps the expert make well-founded decisions faster by automating routine checks and highlighting cases that require additional scrutiny. The combination of artificial intelligence, digital inspection scenarios, and professional expertise is today becoming one of the most effective ways to counter modern insurance fraud.
The global insurance industry is gradually shifting from combating the consequences of fraud to preventing fraudulent attempts from occurring in the first place. Digital inspections with intelligent data authenticity controls are becoming a critical element of this new operating model.
How to quickly implement VIEWAPP and start effectively deterring fraud today
Deploying VIEWAPP does not require restructuring business processes or undertaking lengthy IT projects. The platform integrates with existing insurance company workflows and can be used both for pre-insurance inspections and in claims settlement.
To get started, it is enough to identify the inspection scenarios that need to be digitized. VIEWAPP specialists will assist in configuring step-by-step instructions, adapting scenarios to the company's specific requirements, and, if necessary, integrating with internal information systems.
From the very first days of use, the insurer gains not just a digital tool for conducting inspections, but a system that helps identify potential fraud attempts, reduce the number of questionable payouts, and increase confidence in the collected materials. The solution works equally effectively for vehicle inspections as well as for property inspections of individuals and legal entities.
If your company is looking for a way to enhance the reliability of digital inspections and make anti-fraud measures part of everyday operations, the VIEWAPP team will help select the optimal implementation format and launch the project in the shortest possible time. In an environment where fraud methods are becoming increasingly technological, effective protection must also rely on cutting-edge technology. VIEWAPP makes digital inspections not only convenient but also significantly more secure against manipulation attempts, helping insurers make decisions based on trustworthy data.