It's not true that insurance carriers are averse to paying claims, it's just that many insurers hate paying claimants that don't deserve the money—particularly those who file fraudulent claims that end up costing honest policyholders in the long run.
Tim Wolfe heads the special investigations unit (SIU) for CNA where his team's responsibility is to detect and investigate claims fraud. To assist in that job, CNA began using the Fraud Framework tool from SAS in 2011 after taking several years to vet suppliers of similar tools and go through pilot programs to select the best tool for the carrier's business.
CNA is a commercial lines carrier and uses the software with four lines of its business: workers' comp, general liability, commercial property, and commercial auto. SAS built models for each of these lines, based on the carrier's historical data.
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