Insurance Claims: Certified Digital Evidence for Assessment and Settlement

Reduces fraud and disputes, accelerates investigation and settlement with legally valid certified data throughout the entire claims lifecycle.

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Insurance claims management spans multiple phases — from initial notification to assessment and settlement — involving policyholders, adjusters, surveyors, third-party networks and legal teams. At each stage, photos, videos, documents, communications 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.

Sector

Insurance

Business function

Claims, Settlement, Anti-fraud, Compliance

Key process

Claims notification, investigation, assessment, settlement

Certified content

Photos, videos, audio, screenshots, documents, chats and emails

Output

Legally valid certified documentation and reporting

Adoption mode

App / Web / API / SDK

Challenges

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

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

  • 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 data minimisation

  • Standardise evidentiary quality of evidence across the entire claims chain

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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 is linked to the claims file and made 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, context 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.

Chats and emails

Communications exchanged between policyholder, adjuster, surveyor and third-party providers, with certified integrity and provenance.

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

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.

FAQ: insurance claims certification with digital evidence

1) What is certified digital evidence for claims management?
It is the transformation of photos, videos, documents and communications collected during the claims cycle into legally valid certified data: digital signature, eIDAS-qualified timestamp and geolocation seal every piece of content.
2) What content can I certify during a claims investigation?
Damage photos and videos, audio and statements, screenshots, supporting documents, chats and emails between policyholder, surveyor, adjuster and third-party providers.
3) Is certified evidence valid for combating insurance fraud?
Yes. Provenance, integrity and certified date of every piece of content are guaranteed and tamper-proof, making evidence enforceable in dispute resolution and anti-fraud audits.
4) Is TrueScreen compliant with Solvency II and eIDAS?
Yes. Certification supports compliance with the EU Solvency II Directive, the eIDAS Regulation for legally valid electronic documents, GDPR for personal data protection, and ISO/IEC 27001 for information security.
5) How does TrueScreen integrate into the insurer’s claims process?
Via API and SDK it connects to claims management systems, CRM, DMS, anti-fraud engines and customer portals, automating certification within existing digital channels.
6) Can surveyors and third-party networks use TrueScreen?
Yes. Surveyors, third-party providers and field operators acquire certified evidence directly via App or Web, feeding the claims file with verifiable data.

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