Verisk State of Insurance Fraud Study

The latest research from Verisk reveals how generative AI, digital media manipulation, and shifting consumer behavior are reshaping insurance fraud.

Insurance fraud is entering a new era

Gen AI and accessible editing tools are lowering the barrier to digital fraud. As manipulated photos and documents become easier to produce, detection strategies that worked in the past may no longer be enough.

Based on surveys of 1,000 U.S. consumers and 300 insurance claims professionals, the study shows:

55% of Gen Z say they would consider editing a claim photo or document
98% of insurers say AI editing tools are fueling digital fraud
Only 32% of insurers feel very confident detecting deepfakes
69% of consumers believe fraud will raise premiums for all policyholders

Download the full Verisk State of Insurance Fraud Study to explore the data, risk signals, and response strategies shaping the next phase of digital insurance fraud.

Download the full report

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