AI, digital forensics key tools to combat fake motor insurance claims

Malaysian general insurers are leveraging advanced digital forensics, artificial intelligence, and centralized tracking databases to combat organized crime syndicates and fraudulent insurance claims. The Fraud Intelligence System (FIS), managed by Insurance Services Malaysia, serves as the industry's primary database, allowing subscribing insurance companies to identify anomalies in claims.

Insurers are using the FIS alongside new digital tools to counter sophisticated tactics, such as AI-edited crash photos and staged collisions. The system now uses specialized algorithms and software to analyze image pixels and metadata, instantly flagging fake photos or recycled images from older accidents. Major insurers saved RM65 million between 2023 and last year by deploying the FIS to intercept dubious claims before payouts were made.

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