The stakes
Insurance subrogation depends on documentary evidence to recover losses from responsible third parties. Claim documentation, such as accident reports, repair invoices, or correspondence with at-fault parties, forms the foundation of recovery actions. When claim files contain manipulated documents or chain of custody cannot be proven during litigation, recovery actions fail. Insurers lose millions in legitimate subrogation opportunities because they cannot verify evidence authenticity or prove systematic handling when challenged.
The challenge
Sophisticated fraud like backdated repair invoices, altered accident reports, and fabricated correspondence defeats visual inspection and undermines legitimate recovery efforts. Traditional claim review focuses on coverage and liability, not forensic document validation.
When claim files must be shared with solicitors, investigators, and opposing parties during subrogation proceedings, chain of custody becomes vulnerable. By the time document manipulation or evidence handling disputes surface, recovery timelines extend and costs escalate.
How Confidios helps
Pre-litigation claim validation
Screen claim documentation before initiating subrogation proceedings. Rapid document fraud triage identifies suspicious invoices, reports, or correspondence requiring investigation. Surface document weaknesses before opposing parties challenge evidence authenticity, preventing costly litigation on fraudulent foundations.
Evidence preparation
Verify authenticity of claim documentation supporting recovery actions. Detect backdating, unauthorised modifications, or fabricated evidence. Strengthen recovery position with forensically validated claim files that withstand challenge.
Secure evidence sharing
Share claim files with solicitors, investigators, and opposing parties whilst preserving chain of custody. Cryptographic access controls prove exactly who accessed claim documentation. Immutable audit trails prevent disputes about evidence handling during protracted recovery proceedings.
Recovery acceleration
Evidence of authentic, systematically governed claim documentation shifts negotiating dynamics. When at-fault parties recognise claim files are forensically validated with provable chain of custody, disputes resolve faster on more favourable terms. Tamper-proof audit trails eliminate challenges to evidence handling, removing obstacles to recovery.
Typical workflow
01
Subrogation identified
Upload claim documentation for rapid fraud assessment.
02
Risk assessment
Identify high-risk documents with manipulation indicators.
03
Evidence validation
Comprehensive forensic analysis of claim files.
04
Secure sharing
Distribute validated claim documentation with cryptographic access control.
05
Recovery proceedings
Present fraud evidence and audit trails to accelerate settlement.
Results
Faster settlement from demonstrated claim documentation integrity
Avoided protracted litigation on fraudulent or challenged evidence
Protected chain of custody eliminates evidence handling disputes
Increased recovery rates through forensically validated claim files
Reduced subrogation costs through efficient evidence governance
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