Case study
180K euros in fraud prevented annually through AI document detection
Facing document fraud rising 15% annually, this regional mutual insurer deployed CheckFile to protect its 2,000 monthly claims.
Context
Industry
Regional mutual, P&C branch (auto, home, commercial)
Volume
2,000 claims processed per month
Tools
P&C claims software, external experts, agent network
Team
12 claims handlers
The problem
Document fraud was becoming increasingly costly. Claims handlers, focused on indemnification speed, lacked the means to check everything.
- Document fraud rising 15% annually on P&C claims
- Altered documents (dates, amounts, photos) undetectable by eye
- Manual verification impossible at scale: 2,000 claims/month
- Indemnification delays too long, causing policyholder dissatisfaction
- Fraud cost estimated at 250,000 euros per year before deployment
The solution
CheckFile.ai analyzes each claim document for anomalies: date inconsistencies, suspicious amounts, altered metadata, retouched documents.
- Automatic metadata and document consistency analysis
- Detection of date inconsistencies between declaration and documents
- Flagging of abnormal amounts relative to claims history
- Risk score per file to prioritize manual reviews
The results
+23%
more fraud detected
Significant increase in detection rate
-45%
claims processing time
Faster indemnification for honest policyholders
180K euros
saved per year
Document fraud intercepted before payment
+12 pts
policyholder satisfaction
NPS increase thanks to reduced delays
“We knew fraud was costing us, but we lacked the tools to address it at scale. CheckFile detected fraud patterns no handler could have seen. And our legitimate policyholders get paid faster.”
Claims Director
Regional P&C mutual insurer