The dangers of AI-enabled insurance fraud are growing for fleets due to rapidly improving image quality, according to Fleetcheck.
The software firm’s chief technical officer Neil Avent cited recent advances in the realism of AI-generated images, which he said were now more widely available than previously.
He said: “There has been a jump in the quality of video and image generation. If you take an image of a vehicle that has been involved in an accident and asked AI to ‘add scratches and light dents along the door panel’ today then the output is much more convincing than it was even last year.”
Avent said that this created the potential for fraudsters to use AI to exaggerate accident damange.
He said: “If an employee is involved in a collision, the driver of the other vehicle may take pictures of the damage incurred and ask AI to basically make it worse to increase the value of the claim.
“One of the advantages of generative adversarial networks technology is that it can do this across multiple images with a high degree of consistency.”
Avent said that although AI images and video were probably not currently convincing enough to make this type of fraud possible, the tipping point was likely to be only a matter of months away.
He said: “We’re reaching a stage where it is not easy even for experts to see that some images have been manipulated and fleets should be aware of the growing potential for fraud and its resulting impact on their insurance costs.
“However, there is a simple solution – asking your drivers who are involved in collisions to take pictures of all the vehicles involved, meaning that a complete record of the accident is created and later use of AI can be much more easily identified. This is something that can be done using our app, which provides prompts that walk the driver through the process.”
