Insurance companies fight car fraud with AI tools

Insurers in France are now facing new types of fraud. With the rise of Artificial Intelligence, some people are using just a few clicks to create fake identities or doctored photos to claim false damages on their vehicles.

But insurance companies have decided to fight back — using the same weapon.

Each year, the amount related to car insurance fraud in France represents 2 to 3% of the total compensation paid by insurers. This figure is constantly increasing, accentuated by the fact that deception techniques are becoming more sophisticated. For example, the declaration of false claims can now rely on images of fictitious damage generated by AI in an ultra-realistic way.

Using AI to optimize its vehicle inspections for more than a thousand customers, the WeProov group is putting forward software for reporting and managing automobile claims, positioning itself at the forefront of inspection, claim reporting and repair estimation technologies: WeProov Claim .
SHOTLIST
00:00-MS parking lot with damaged cars

00:04- CS split screen with two pictures of the same blue car but different angle

00:12- MSblue car

00:16- CS damaged car door

00:19- MS office with computers and people

00:26- SOUNDBITE (French) man with glasses showing a screen: "First of all, the taillight in the photo doesn’t match the original model of the vehicle at all. Then, you can see some blurry elements around the logo, and here, scratches that appear on the bodywork but not on the taillight — they stop right at its edge.”

00:45- MS of a man typing on his computer with a beard and glasses

00:50- SOUNDBITE (French) François Riou, head of claims at Leocare : "It’s a cat-and-mouse game. AI is accessible to everyone, so we have no choice but to put measures in place to protect ourselves from this kind of fraud.”

01:02- Arpajon (Essonne)

01:09- UPSOUND (French) 2 men checking a car: “Was there anything else? The front end was missing?”

01:101:23- SOUNDBITE (French) Anthony Da Cunha, body shop Motorsport : "Today, insurance companies sometimes ask policyholders to send them photos of the damage to their vehicle — they don’t even go through us anymore. The problem is that the policyholder will send photos of the damage, but also of small details that have nothing to do with the actual incident."

01:45- MSdamaged cars parked

01:53- SOUNDBITE (French) Alexandre Meyer, CEO Weproov : "So we focus on the photos of the damage — the app will prompt the user to take pictures of the damage, which allows me to get different angles to help with the assessment, but most importantly, to better evaluate the cost of the claim."

02:18- Alexandre Meyer in his office

02:22- CS of a screen

02:25- SOUNDBITE (French) Alexandre Meyer, CEO Weproov : "What we see here is an inconsistency in the photo — some of the pictures taken don’t match the reported damage, and there are also inconsistencies in the environment where the photos were taken.”

02:40- MS of damaged cars parked

Видео Insurance companies fight car fraud with AI tools канала AzPost