Insurance Claims Certification: Legally Valid Digital Evidence

Every piece of evidence collected throughout the claims lifecycle becomes certified, authentic and tamper-proof data with full legal validity.

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Insurance claims management spans multiple phases: from initial notification to assessment and settlement. At each stage, photos, videos, documents and statements are collected through heterogeneous channels, often lacking guarantees on provenance and content integrity. TrueScreen enables native acquisition and certification of every piece of evidence, transforming it into legally valid certified data: authentic, tamper-proof and traceable. The solution addresses data security, regulatory compliance and operational efficiency across the entire claims process.

10-20%

Claims with suspected fraud

(Insurance Information Institute)

-40%

Processing time with automation

(McKinsey)

$137.8B

Digital insurance platforms 2024

(Fortune Business Insights)

Industry

Insurance

Business function

Claims, Settlement, Anti-fraud, Compliance

Key process

Claims notification, investigation, assessment, settlement

Certified content

Photos, videos, audio, screenshots, documents

Output

Certified documentation and reporting with legal validity

Adoption mode

App / Web / API / SDK

Needs and challenges

  • Reduce fraud and manipulation on photos, videos and documents during FNOL

  • Ensure certified date, time, geolocation and identity for every evidence

  • Accelerate settlement by eliminating document integration requests

  • Compliance with Solvency II, eIDAS Regulation and GDPR requirements

  • Handle personal and sensitive data under GDPR with demonstrable collection

processo

Solution

TrueScreen integrates into the claims management process as a data certification layer. Adjusters, surveyors, policyholders and third-party network members acquire content via App, Web or the insurer’s own digital channels. Every piece of content is transformed into legally valid certified data: authenticity, integrity, certified date and time, geolocation and author identity are guaranteed and tamper-proof. Certified evidence, linked to the claims file with digital signature, is available for investigation, anti-fraud triage, assessment and audit, with full traceability throughout the entire claims lifecycle.

What gets certified

Damage photos and videos

Images and footage of the damage and assets involved in the claim, with certified date, time and location metadata.

Audio and statements

Voice recordings and statements collected during notification or assessment, with certified author identity.

Screenshots and web content

Acquisitions of web pages, portals and digital content relevant to claims reconstruction and dispute management.

Supporting documents

Documents related to notification, investigation and settlement, certified with digital signature and qualified timestamp.

Expected benefits

  • Reduced fraud risk with certified, verifiable and tamper-proof evidence

  • Shorter claims cycle times through fewer integration requests and disputes

  • Complete and end-to-end auditable claims file from opening to closure

  • Demonstrable compliance with anti-fraud and documentation obligations

  • Better policyholder experience with fast, targeted communications

Business function TrueScreen benefit
Claims Manager Certified photo and video dossiers with date, time and location: faster case handling and fewer disputes
Claims Adjuster Tamper-proof evidence of damage at the time of the report: faster and more accurate settlements
Anti-fraud Unit Certified metadata that exposes inconsistencies between reported and documented facts, deterring fraud
Claims Legal Department Documentation with evidentiary value in court: strong defense against appeals and unfounded claims

Partners

Technology and operational partners enabling TrueScreen adoption in complex insurance ecosystems: claims management system providers, document platforms, anti-fraud and analytics solutions, surveyor networks and third-party providers, digital channel and contact centre providers.

Integrations

Integration with claims management systems, CRM and contact centres, DMS/ECM platforms for document management, anti-fraud engines and analytics, digital channels and customer portals for FNOL, payment and settlement systems, via API and SDK.

Related use cases

FAQ: certified AML compliance with digital evidence

1) What documents can be certified during customer due diligence?
Il tecnico utilizza l’app TrueScreen per acquisire foto, video e documenti durante ogni fase dell’intervento. Ogni contenuto riceve automaticamente metadati immodificabili, timestamp, geolocalizzazione, hash crittografico e firma digitale, creando un record di autenticità verificabile da terzi.
2) How does TrueScreen ensure compliance with anti-money laundering regulations?
The certification provides each document with a digital signature, qualified timestamp and forensic metadata compliant with the eIDAS Regulation. This produces KYC files with documented traceability that support compliance with AMLD, AMLR, EBA guidelines and GDPR data retention obligations.
3) Can TrueScreen detect synthetic identity fraud or AI-generated documents?
Sì. TrueScreen consente di certificare checklist compilate sul campo, rapportini tecnici e dichiarazioni di conformità con data certa, firma digitale e metadati immodificabili, garantendo l’integrità del documento e la tracciabilità della compilazione.
4) How long does the certified KYC verification process take?
The entire customer due diligence process, including document collection, identity verification and questionnaire completion, can be completed in a single digital session. Verification times are reduced from weeks to hours compared to traditional paper-based processes.
5) Is the certified KYC file admissible as evidence in regulatory inspections?
Yes. Each document in the KYC file carries a qualified digital signature and timestamp under the eIDAS Regulation, which grants it full probative value in EU member states. The file documents who collected each document, when, where and with which method.
6) How does TrueScreen integrate with existing AML systems?
Sì. Le prove certificate con TrueScreen documentano con data certa lo stato del prodotto al momento dell’installazione e ogni intervento di manutenzione successivo, fornendo evidenze immodificabili e opponibili per la gestione delle richieste di garanzia.

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