The undue obtaining of an indemnity or cover through deception, a structural cost of the sector that generative AI turns into mass production.
Insurance fraud designates any deception aimed at obtaining an undue indemnity or cover, from fictitious claims to inflated invoices and false declarations. It constitutes a structural cost of the trade, estimated at around 308.6 billion dollars a year in the United States, a premium surcharge of the order of 700 dollars per household. Generative artificial intelligence does not create fraud, but it collapses its cost of production, making the fabrication of a fake instant, free and undetectable to the naked eye. This mutation renders traditional rules-based defences obsolete and undermines the probative value of documentary proof, which shifts the stake from detecting the fake toward authenticating the true at the source.
A fraudster generates within seconds, with a simple phone, a perfectly credible fake photograph of a crashed vehicle, which the insurer's coherence filters can no longer distinguish from a real one.
fraude assurantielle