Claims Solutions

Digital Commerce Detector

See the digital signals fraudsters leave behind in theft, water, and fire loss claims—automatically integrated into your ClaimSearch^® workflow at FNOL.

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Comprehensive loss claims: clarity where it counts

Unwitnessed claims often lack clear proof, making fraud nearly impossible to detect. Fast-track processes can inadvertently approve suspicious claims, while manual investigations consume hours, often missing crucial digital evidence. Meanwhile, stolen vehicles surface online during active theft investigations and go undetected during critical FNOL decisions.

Turn digital clues into actionable fraud intelligence at FNOL

Uncover signs of fraud in theft, fire, and water claims hidden in online marketplace activity. Digital Commerce Detector, powered by Legentic's digital intelligence and embedded into ClaimSearch^®, helps your team detect risk faster, investigate smarter, and reduce improper payouts.

Automate the early detection of hidden indicators

Catch red flags by detecting suspicious online marketplace activity, even before a claim is filed, that is tied to vehicles and high-value assets.

Investigate smarter with actionable data

Access historical and real-time digital behavior linked to VINs, emails, and more—helping teams triage and resolve claims with greater precision.

No IT lift, full workflow integration

Start using powerful digital insights instantly within ClaimSearch. No new systems, no setup delays. Just seamless fraud detection.

Analytics backed by robust data

With over 8 billion digital transactions indexed in its database, Legentic supports a growing community of more than 6,000 platform users. Digital Asset Finder leverages this extensive dataset to deliver advanced fraud detection and actionable intelligence.

Analytics backed by robust data

Features and capabilities

Real-time digital monitoring

Continuously scans online marketplaces for suspicious activity tied to claims, instantly surfacing fraud indicators like listings or altered VINs.

Historical activity database

Captures and indexes online activity before and after FNOL, revealing digital patterns around vehicles and assets that may signal fraudulent intent or repeated behaviors.

Embedded insights in ClaimSearch

Integrates directly into the ClaimSearch Visualized Match Report, giving instant access to relevant digital signals with no workflow disruption or IT lift.

Automated fraud alerts

Triggers smart alerts on red flags like a vehicle listed for sale days before a theft claim, helping SIUs and adjusters investigate with precision and speed.

Open-source intelligence access

Leverages billions of open-source data points from digital platforms to provide broader visibility into claim-related behavior, including email and phone usage patterns.

Smart claim prioritization

Uses digital behavior signals to help frontline teams identify high-risk claims faster, enabling smarter triage, reduced false positives, and quicker payout decisions.

Related resources

See how Digital Commerce Detector helps insurers stop fraud before it starts. Explore resources designed to boost your team’s efficiency, uncover hidden risk signals, and streamline claims investigations from FNOL onward.

How Intelligent Automation Transforms Total Auto Loss or Theft Claims Investigations

Two new tools could change the game in total loss and theft investigations by matching claim information to key vehicle identifiers.

Read the article

Detect digital clues at First Notice of Loss

Learn how Digital Commerce Detector surfaces online activity tied to suspicious claims, empowering adjusters to act fast, reduce fraud risk, and improve investigation speed.

Download the flyer

Two Colleagues Looking Intently At Data On Screen

Verisk and Legentic unveil early fraud detection tool

Verisk and Legentic announce the launch of Digital Commerce Detector, a powerful new tool that helps insurers uncover fraud signals at FNOL by analyzing online activity, seamlessly integrated into ClaimSearch with no IT resources required.

Read the press release

Do more with the Verisk ecosystem

Learn more about our full suite of claims solutions designed to accelerate claim resolution, deliver deeper fraud analysis, and ensure compliance.

The world’s largest P&C claims database

Fast-track claims while improving fraud detection with access to data from more than 1.8 billion claims.

Learn about ClaimSearch

Colleagues Viewing Solutions On Multiple Displays

Claim scoring through predictive analytics

These models deliver enhanced claim scores and reason codes to detect potential fraud and support investigations.

Learn about Claim Scoring

Enhanced, comprehensive coverage reports

Accurate insurance details, verified information from DMV data, contact information, and brief claims history to ensure precise payment.

Learn about Claims Coverage Identifier

Fraudulent images in claims identified

This automated process applies a series of algorithms to every customer-submitted loss photo to expose anomalies.

Learn about Digital Media Forensics

Locate stolen vehicles and equipment

Locate stolen vehicles and equipment quickly and efficiently. Powered by Legentic and integrated with ClaimSearch, it expands recovery opportunities without adding IT complexity.

Learn about Digital Asset Finder