Maine Insurance

The technology readers automatically efforts by the offices of insurance curbing fraud rings.

The auto insurance fraud argued, because its route SMART practitioners knew investigators had a little chance for the detection of their systems. Of course, insurance companies have had all the information they need for the rings. But the problem was that investigators could never hope to see everything.

But times have changed. Regarding the power of the human brain and cooperation could not achieve alone, the computer power and memory. And today, in an area inside a huge office building in Jersey City, NJ, a mainframe computer, what people could not: references to millions of requests each second to discover the points common. Its capacity can be regarded as one of the worst criminals nightmare.

“I’m prejudiced, but yes, this is the main tool to fight against fraud automobile insurance today,” said Richard P. Boehning, president of the American Insurance Services Group, a division of the Insurance Services Office Inc., the system works. “They read in the news about all these cases, break, and I will ensure that, where they began with a game in this database, probably 95% of the time.”

Massive computer

The ISO system Claim Search, occupies an entire floor of the House of Jersey City. Built and maintained by ISO, with the support and counsel of the insurer, it is a confusing variety of High-Tech equipment is about a dozen rooms and equipped with 60 to 70 employees working in layer exploitation. Each day, the system receives some 250000 applications in all damage in rows Claim Search database the largest collection of cases of damage of about 230 million claims and personal information are stored. Approximately 92% of damage, the insurance industry, the Premium, use the system.

The system costs $ 10 million to $ 12 million in recent years and are more than twice that amount each year to preserve and exploit. “This is an essential step, but if the value of 1000 insurance companies, it is quite cheap,” said Boehning. Most companies using the system can save what it costs to subscribe one or three “big win,” said Boehning is easy to do. If you have a Mercedes or $ 40000 you do not pay a $ 100000 house fire, because it is fraud, you have just recorded an amount of money, “he said.

Almost all applications received - about 97% are processed electronically and automatically, still arrive on paper, and store data ISO form. The data from 2000 insurers, 400 Third-Party Administrators, 1000 self-insured and 23 of the 29 State Workers’ Compensation fund. The system also has a mirror image of the FBI’s stolen-CAR file, export data from customs, confiscation automatic information police and scores of vehicles damaged by three suppliers.

The identification of Perps

If the system receives an application, it automatically makes the database for public insurance and information on the plaintiff - including the vehicle identification number, social insurance number, telephone number, address and date of birth — And search results, it sends to the sender. Furthermore, compared to other applications by the individual. “If you participate in a car accident yesterday and your staircase collapsed three years ago, there is no problem:” Boehning said. “But if you have a car accident Monday, the right of a worker comp on Tuesday and a Slip - fall and Wednesday, we need you to come and talk, maybe a statement under oath? ”

The system allows for special investigative units of execution in detail the system looks with its investigations Query capable. These excavations, on average, about 35000 per day, looking for links between him and the other complainants, health practitioners and lawyers, set.