Insurance Fraud Detection
Verify that claim photos were actually taken at the stated location. Detect geographic mismatches, flag suspicious submissions, and integrate automated location verification directly into your claims workflow.
Protection against location fraud
Claim Photo Verification
When a policyholder submits damage photos at a specific address, GeoPin verifies whether the images actually show that location. Detect cases where claimants use photos from other properties or even other cities.
Location Mismatch Detection
GeoPin compares submitted images against the policy address and returns a geographic confidence score. Claims where photos do not match the insured location are automatically flagged for further investigation.
Claims Workflow Integration
Connect GeoPin to your claims management system via the API. Every photo submission is automatically checked against the policy address, adding a geographic verification layer without manual intervention.
Loss Ratio Reduction
Insurance fraud costs the Dutch insurance industry hundreds of millions of euros annually. Automated geographic verification catches a category of fraud that is consistently overlooked in manual reviews, directly reducing payouts on fraudulent claims.
Automated claims verification
Claim submitted
A policyholder files a damage claim with photos. The claim includes the address of the insured property and damage documentation.
Geographic check
Exterior shots and contextual photos are sent to GeoPin along with the policy address. GeoPin geolocates each image and calculates the distance to the stated location.
Risk assessment
Claims with high geographic confidence are processed normally. Claims with location mismatches receive an elevated risk score and are routed to your investigation team.
Investigate or approve
Claims adjusters review flagged claims with GeoPin's evidence: detected location, confidence score, and matched reference images. Legitimate claims are approved faster.
Detected Fraud Scenarios
Staged damage at wrong address
A claimant submits water damage photos, allegedly from their insured apartment in Rotterdam. GeoPin identifies that the photos were taken at a property in Breda. The claim is flagged and investigation reveals the claimant photographed damage at an acquaintance's home.
Recycled storm damage
After a major storm, a wave of claims comes in. GeoPin flags multiple submissions where the exterior photos show locations that do not match the policy addresses, catching claimants who recycled damage photos from social media.
Fleet claim
A commercial fleet manager files a collision claim, stating the incident occurred on the A2 near Utrecht. GeoPin geolocates the submitted dashcam image to a road in Gelderland, prompting a deeper investigation into the claim timeline.
Reduce fraud, accelerate honest claims
Geographic verification catches fraud faster and lets legitimate claims flow through your pipeline without delay. Start integrating today.