Auto Insurance (B2C)
- 1New clients onboarded via Zarv ID (KYC + scoring)
- 2Portfolio monitored in real time via Zarv Signal
- 3Losses investigated via Zarv Lens with evidence generation
From suspicion to evidence in minutes. AI checks the whole claim: photos, damage, police report, routes and the people involved.
Without evidence, suspected fraud gets paid. Drag across the 72 hours before and after the event and see the declared version side by side with what the data shows.
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Illustrative simulation.
Photos, damage, police report, route and the people involved. Fraud usually lives in the gap between two of them.
“Rear-ended at the crossing, at 7:30pm”
Illustrative simulation.
What manual investigation takes weeks, Lens delivers in minutes. No field expert needed to prove the vehicle wasn't where the insured claimed.
Analyzes vehicle movement 72h before and after the event. Route reconstructed with GPS, LPR cameras, cell towers, and behavioral data. Timeline: where it was, speed, stops, interactions. Detects inconsistencies between declared version and objective data.
If the insured says the car was stolen Monday night in Campinas, but cameras show it driving Tuesday in São Paulo — that's evidence. Not suspicion.
Access to thousands of public and private license plate reader cameras. Historical query by plate and period. Correlation with theft and block records. Cloned vehicle identification. Photographic evidence with timestamp and location.
Insurance fraud is sophisticated because fraudsters know the process. Lens uses behavioral patterns to detect what the official version hides.
Cross-references historical behavior with the reported event. Suspicion score based on pre and post-event anomalies. Fraud patterns: arson, staged collision, simulated theft. Cross-check with claim history across insurers. Recidivism alerts.
Denying a claim without evidence exposes the insurer to litigation. With Lens, the denial comes with a complete technical dossier.
Technical report with chain of custody. Timestamped, traceable evidence by source. Documentation for judicial and administrative proceedings. Solid basis for claim denial.
Manual process doesn't scale. Lens auto-triggers on suspicious claims so your team focuses on what matters.
API integration with any claims management system. Auto-activation when suspicion score exceeds threshold. Claims dashboard with integrated investigation panel. Configurable SLA by claim type.
Expert visits site 2 weeks later. Standard process. Claim likely paid.
→LPR cameras detect the vehicle 3 days after the alleged theft, near the insured's address. Reconstruction shows normal use. Fraud evidence in 48h. Claim denied with technical dossier.
Two vehicles report collision. Appear unrelated. Both claims paid.
→Historical movement shows both vehicles at the same location multiple times. Cross-check with Zarv ID: owners have indirect corporate link. Both denied.
Slow, expensive manual search. High non-recovery rate.
→LPR cameras locate the vehicle in a specific neighborhood with recurring pattern. Recovery team dispatched with precise location. Recovery rate: 85–93% vs. 45% market average.
Lens vs. manual investigation
vs. 45% market average
Every denial with evidence reduces it forever
Only 20% of suspected claims are proven today
Start from the investigation dashboard; automate when it makes sense.
Your team opens the case and sees the reconstruction, with no integration to start.
Your claims system triggers Lens when the suspicion score crosses a threshold — in minutes with our ready-made prompts.
A PDF report with time-stamped evidence and chain of custody, ready for court.
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