The Democratization of Fraud

99% of insurers have encountered manipulated claim documentation. Only 43% feel confident they can catch it.

A single tap can brighten a photo, exaggerate damage, or fabricate evidence that never existed. AI editing tools have put fraud capabilities in every policyholder’s pocket—and most current detection methods weren’t built for it.

Verisk’s 2026 State of Insurance Fraud Study surveyed 1,000 U.S. consumers and 300 claims professionals to quantify the gap between how often claims manipulation occurs and how reliably it gets caught. This white paper unpacks what the data reveals and how Digital Media Forensics closes that gap.

What you’ll learn

Read the white paper for insight on:

Why digital manipulation has gone mainstream, with 57% of consumers already using AI editing tools and 44% saying the results look “very realistic”
Where consumers draw (and cross) the line on what counts as an “acceptable” manipulation to a claim photo—and why your adjusters can’t reliably spot the difference
The detection gap costing carriers today, including why 39% of insurers say their fraud tools don’t integrate with existing claims systems
How cross-carrier image visibility shuts down fraud rings that exploit the gaps between single-carrier detection tools
What’s on the horizon, from deepfakes to generative AI, and how to prepare your operation before the next wave hits

Why download?

Industry-defining data: Findings from Verisk’s 2026 State of Insurance Fraud Study, based on dual surveys of consumers and claims professionals
Operational clarity: A practical, data-to-solution breakdown of where current defenses fall short and what closes the gap
A look ahead: Insight into the fraud trends reshaping claims operations over the next three to five years

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