Unveiled Insights from the Digital Scam Report
Carpe Data Reveals Top Trends in Insurance Fraud for 2025
A new report from Carpe Data, a leading provider of next-generation data solutions for the insurance industry, has shed light on the key findings regarding insurance claims fraud in the United States. The 2025 Online Fraud Insights report offers valuable insights into top locations, demographics, and tactics for insurance claims fraud.
Disability, Workers' Comp, and Auto Claims Show Highest Rates of Contradictory Evidence
The report found that disability, workers' compensation, and auto insurance lines have the highest rates of contradictory evidence, with 8.9%, 6.9%, and 5.7% of claims found to be misrepresented, respectively. This contradictory evidence is often uncovered through online channels such as social media, local news, and public records.
Demographic Trends in Insurance Fraud
The report also highlighted demographic trends in insurance fraud. Younger claimants between 18-24 are more likely to fraudulently claim injury. In addition, many fraudulent disability and workers’ comp claimants have undisclosed employment or side businesses.
Tactics for Detecting Insurance Fraud
The report emphasizes the importance of continuous, real-time monitoring of multiple online sources for effective fraud detection. About 35% of fraud alerts happen within two months of claim filing, but nearly half surface after three months, reflecting lifestyle changes such as claimants returning to work or starting new businesses that contradict earlier claims.
AI Revolutionizing Fraud Prevention
AI-driven fraud detection tools are revolutionizing fraud prevention in the insurance industry, providing smarter, faster solutions to combat insurance fraud. Carpe Data's platform uncovered over 74,000 contradictory fraud alerts in 2024 alone, resulting in over $233 million in savings for insurers. Their system provides 20 times more fraud detection than traditional methods and delivers 5-10 times more actionable evidence.
Injury Fraud Thrives in Certain Areas
The report found that injury fraud thrives in areas with strong legal networks, high population density, heavy tourism, economic hardship, and legal loopholes. These conditions create fertile ground for fraudulent claims, particularly in disability claims.
Carpe Data's Innovative Solutions
Carpe Data's AI-powered Online Injury Alerts & Investigative Reports help carriers spot fraud faster and automate key aspects of the claims cycle. The report provides insurers with insight on fraudulent activity and offers targeted recommendations for fraud detection and prevention efforts.
In conclusion, the 2025 Online Fraud Insights report offers valuable insights for the insurance industry, highlighting the importance of continuous monitoring, AI-driven fraud detection, and targeted strategies for fraud prevention. By understanding these trends, insurers can better protect themselves against insurance fraud and ensure fair claims processes for all parties involved.
[1] Carpe Data (2025). Online Fraud Insights Report. [2] Carpe Data (2025). Press Release: Carpe Data Releases 2025 Online Fraud Insights Report. [3] Carpe Data (2025). Case Study: Carpe Data's Fraud Detection Solution Saves Insurers Millions.
- The report from Carpe Data in 2025 suggests that younger claimants between 18-24 have a higher likelihood of committing fraud in disability and workers’ comp claims, a trend worth considering in one's opinion.
- The use of AI-driven fraud detection tools, such as Carpe Data's platform, is becoming crucial in the insurance industry, offering opinions on better protection against insurance fraud, as seen by the 74,000 contradictory fraud alerts uncovered in 2024 alone.
