Cisive

Cisive provides specialized services for vehicle insurance fraud prevention, targeting insurers, fleet operators, and risk management professionals. Their core offerings focus on detecting and mitigating fraudulent claims before policies are bound, reducing financial losses for insurance companies. One key function is mobile vehicle inspections, where trained inspectors physically examine vehicles at locations convenient for policyholders or claimants. These inspections verify vehicle condition, mileage, and VIN (Vehicle Identification Number) authenticity, ensuring that reported damage or theft aligns with actual physical evidence. The process includes photographing vehicle components, documenting prior damage, and checking for signs of tampering or staged accidents. Another major service is VIN verification, which cross-references the unique vehicle identifier against national databases to confirm the vehicle’s history, ownership, and registration status. This helps uncover “ghost vehicles” (non-existent cars used in false claims), cloned VINs from stolen cars, or misrepresented salvage titles. Real-time alerts are generated when suspicious patterns emerge, such as multiple claims from the same location, unusual policy activation timing, or drivers with high-risk histories attempting to slip through underwriting. Cisive also offers a comprehensive fraud scoring system, which uses historical data and behavioral analytics to assign risk scores to individual policies or claims. Insurers can integrate these scores into their existing underwriting workflow, automatically flagging high-risk submissions for manual review. The platform supports batch processing for large portfolios, allowing clients to upload policy lists and receive fraud risk reports within minutes. For ong