Claimants submit inflated repair estimates, upcoded medical invoices and altered police reports to win payouts they should never get. VerifyPDF flags every one of them in under 5 seconds.
Lost to insurance fraud in the US every year (Coalition Against Insurance Fraud)
Claims insurers suspect involve fraud (FRISS Insurance Fraud Report)
Extra paid per policyholder each year because of fraud (Coalition Against Insurance Fraud)
To verify a claim document vs hours of manual adjuster review
Modern claim fraud is invisible to the human eye. Fraudsters use Adobe Acrobat Pro and online PDF editors to change repair estimates, medical invoices and police reports that look identical to genuine documents. The letterhead is real, the fonts are correct and only a figure inside a text field has moved.
A legitimate contractor issues a real estimate, then the claimant revises the amount upward by 40% before submitting it. The branding, license number and layout are all genuine. The only change lives in the PDF content layer, where no adjuster will ever look.
A physiotherapy session gets upcoded to a more expensive procedure, a single hospital visit becomes three or the date range is stretched by a few days. The invoice carries every correct field, so it sails through a busy adjuster who reviews dozens a day.
Fraudsters rarely rely on one fake document. They build a chain: a police report, proof of ownership and a timeline that corroborate each other. A changed incident type or an added line item turns a fender-bender into a total loss, and the report is almost never verified with the issuing authority.
Dutch broadcaster NOS reported a surge in fraudulent claims built on forged medical certificates, fake vacation invoices and fabricated receipts for items worth thousands of euros. The Dutch Association of Insurers confirmed the threat is growing across travel, home and liability lines, while insurers admit they lack the data to size the full scope.
Read the full case study
The most damaging insurance fraud is not the padded restaurant receipt. It is the €18,000 repair estimate quietly revised upward, the medical invoice with one procedure code changed and the police report with an altered incident type. These edits live in the PDF structure, not on the surface, and a visual review will always miss them.
Read the full case studyAdd a document forensics layer before human review. Every PDF is analyzed in under 5 seconds, with detailed forensic evidence when a claim document has been tampered with.
Detect traces of PDF editors, creation timestamps that do not match the stated issuer and software signatures that reveal manipulation, so a repair estimate edited three weeks after its claimed date is flagged before you authorize the payout.
Identify direct text modifications, font inconsistencies and layered edits, catching the inflated figure or upcoded procedure a manual review will always miss.
Match documents against known issuer and template formats to confirm an invoice or report came from its claimed source, so a convincing forgery cannot pass as a genuine hospital bill or police report.
Connect VerifyPDF to your claims management system via our REST API, or let AI claims agents verify documents with our open-source AI agent skill. Either way every document is checked automatically, with no extra steps for your adjusters.
Repair estimates, medical invoices, police reports and receipts are uploaded as part of the claim.
Every PDF is checked for manipulation, metadata inconsistencies and issuer verification in under 5 seconds.
Each document receives a Trusted, Low Risk, Needs Attention or High Risk rating with detailed evidence of any detected modifications.
Your adjusters focus on genuine claims while flagged documents are routed for further investigation.
Upload a PDF. In under 5 seconds, VerifyPDF tells you if it's genuine or forged, with detailed evidence of every modification. Try it free for 15 days, no credit card needed.
This document is identical to others from this issuer