Fraud Screening, First: Prevent Invalid Claims Before They Start
Fraud is asymmetric. Bad actors need only one exploit; carriers must cover thousands of edge cases. The answer is to push verification upstream — screen early, at FNOL (first notice of loss), with layered checks that are fast, fair, and invisible when clean. A brand like NonClaim signals exactly that intent: fewer invalid claims reaching adjusters at all.
Signals That Scale
- Device and session telemetry: IP reputation, velocity checks, disposable emails, emulator flags.
- Identity corroboration: Government ID + selfie match, address & phone tenure, knowledge-based checks.
- Policy context: Tenure, prior claims sequence, premium anomalies, broker history.
- Incident plausibility: Geo/time consistency, weather data, vehicle telematics, medical coding patterns.
Workflow Design
Make the clean path frictionless. When signals stack “low-risk,” auto-advance to settlement. If mixed, request narrow, human-readable proof (photos, invoices, police report numbers). If high-risk, escalate to SIU with bundled evidence and a clear stop reason.
Fairness & UX
Fraud prevention earns trust when it feels objective and respectful. Use consistent criteria. Explain requests in plain language. Offer accessible alternatives (e.g., upload or email). Keep a paper trail so well-intentioned customers aren’t penalized by opaque systems.
Metrics
Watch false positive rates closely; measure days-to-settlement for clean claims; quantify SIU saves by segment; track churn for flagged customers. The goal is a net reduction in cost and time while improving honest customer experience.
Conclusion
A proactive fraud screen is cheaper than remediation. Under a clear banner like NonClaim, carriers can make “clean first” a product promise — and a competitive advantage.
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