Authenticate at capture: Insurers move with speed and trust

Insurance claims have gone digital, making it faster and easier for customers to submit evidence and for insurers to act. At the same time, insurance fraud costs the U.S. economy an estimated $308.6 billion a year, and new image editing tools are making false claims easier to create and more frequent.

Truepic works with insurers and their technology partners to ensure speed, including ISB Global Services and others. Through integrations with Truepic Vision, an adjuster can request an authenticated photo or video inspection without leaving the tools they already use. The policyholder captures the requested images on a mobile device, and the authenticated results return to the insurance platform in real time.

The same approach is now live for Canadian insurers through ISB Global Services. ISB operates the ISB Portal, the system Canadian insurers already use for claims, underwriting, and investigation, and has added Truepic's authentication directly. An adjuster orders an inspection through the portal, the policyholder captures photos or video through a guided mobile app, and the results, run through more than 50 photo security checks, return to the claim file within minutes.

These integrations come as insurers are moving more of their work online. Customers can report a loss (or initiate a policy), upload photos, receive an estimate, and complete the process through an app or website. According to the Insurance Information Institute, digital channels have passed phone calls as the most satisfying way for customers to submit a new claim.

This shift saves customers time and helps insurers process claims faster. It also means insurers rely more heavily on customer-submitted photos to assess damage, decide whether an inspection is needed, and move claims toward payment.

Speed only works only if the images can be trusted.

UK insurer Admiral reported a 71% increase in the fraud it detected in 2025. Its investigators found people using common image editing tools to invent or exaggerate damage, fabricate valuable items, and alter license plates so the same photo could be used in more than one claim.

A 2026 State of Insurance Fraud study suggests the problem is much broader. 36% of consumers surveyed said they would consider altering a claim photo or document, even if it broke their insurer’s rules. Among Gen Z consumers, that figure rose to 55%.

Claims professionals are seeing the effects. The same study shows 98% of those surveyed said AI editing tools are contributing to an increase in digital insurance fraud. 76% said altered claim submissions have become more sophisticated over the past year.

Insurers now face a difficult balance between speed and trust. If they cannot rely on customer-submitted evidence, they must slow down the process, add more reviews, or accept a greater risk of fraud.

Most fraud tools examine a photo after it has already been submitted. Investigators must then work backward to determine whether it was generated, altered, reused, or taken somewhere other than the claimed location. As editing tools improve, that job becomes harder.

Truepic addresses the problem when the photo is taken. It checks the image, the device, and details such as time and location, then protects that information from later changes. This does not decide whether a claim is legitimate or whether the damage is covered. It gives the insurer better evidence on which to make those decisions.

Through integrations with Truepic Vision, an adjuster can request a Truepic inspection directly from the insurance platform. The customer captures the requested photos or videos on a mobile device, and the authenticated results return to the platform in real time. Adjusters do not need to leave their existing workflow or learn an entirely new process.

Insurers will always need to decide what a photo shows and whether a claim should be paid. As more of that work moves online, they should also know where the photo came from and whether it has been changed.