Editor's Note: The following article has been contributed by Scott Palmer, president & CEO of Injury Sciences LLC.
Predictive analytics is a valuable tool and is being applied to a growing number of areas in auto insurance operations. In recent months, I have fielded questions about the benefit of applying predictive analytics to a combination of auto physical damage data and medical data to identify questionable injuries.
To be sure, predictive analytics has shown benefits in claims operations by improving fraud referrals, identifying subrogation opportunities and “right tracking” claims assignments. Consequently, on the surface, the approach sounds appealing. However, a closer look into what predictive analytics can offer and the constitution of the data employed reveals a problematic landscape.
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