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Motor insurance fraudulent claims can arise due to lax underwriting in terms of insuring vehicles without inspection for roll over vehicles or vehicles with break in insurance. Therefore inspection and proper valuation for all new vehicles on books or vehicles with break in cover is most important. Random verification and use of GPS enabled phones on which inspection photo and valuation has to be done & has to be in place to ensure that the inspectors themselves are not upto mischief.
Further one has to keep data base of all total loss vehicles in the Region and avoid those vehicles. Further in relation to claims it is better to use a trained In house team for survey who can identify inconsistent damages, old rust damages, vetting of large estimated losses, previous claims,history checks on delayed intimations, spot survey, deviation analysis to identify possible fraud sources by data analysis, online audit of survey reports and robust claims system are some of the other measures than can greatly minimize fraudulent motor claims.
by following the cmpany's instructions in this regard and strictly comply with the company's regulations in respect of underwriting and claims processing particularly by the insurance company's claims inspector or employee.
Best Wishes
