For auto casualty insurers, a focus on fraud detection requires differentiating medically necessary clinical treatment that is causally related to an auto crash. The solution lies with recognition of injury risk in the collision as well as linkage to health conditions that may influence the injured party's evaluation and treatment. The combined assessment of specific injury risk and relevant clinical treatment in the unique circumstances of the vehicular trauma—at scale—demands technology.

Factors affecting claims costs

Increasing casualty claims severity continues to challenge P&C insurers, with costs outpacing the consumer products inflation and U.S. medical inflation rates. According to an April 2018 report by the Insurance Research Council, Countrywide Patterns in Auto Injury Claims, annualized claimed economic losses for bodily injury (BI) liability insurance closed claims increased 10% in 2017 compared to findings in 2012, while the average U.S. medical inflation rate was only 3%. The casualty claims inflation trend is notable given the types of auto related bodily injury diagnoses most frequently seen in the last three years have remained relatively unchanged and are predominately by nature soft tissue neck and back injuries.