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Insurance fraud in the United States costs an estimated $308.6 billion per year, according to the Coalition Against Insurance Fraud. That figure spans every line — auto, property, health, workers’ compensation, life. A significant and growing share of that number involves altered PDF documents submitted as supporting evidence for claims.
A 2026 Verisk study found that 99% of insurers have encountered manipulated or AI-altered documentation in claims submissions. An estimated 25–30% of claims now involve digitally altered images, medical reports, or valuation certificates. And 36% of consumers say they would consider digitally altering a claim document if it would increase their payout — rising to 50% among Gen Z policyholders.
The fraud is not sophisticated. The detection gap is wide.
The Three Document Types That Get Altered Most
