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Industry estimates put global insurance fraud near $300 billion a year, with document fraud a sizeable share of it — the exact percentage varies by line of business, region, and study methodology, and we cite no single number as authoritative here. What does not vary is the pattern. A repair estimate with inflated line items. A medical bill generated in Word and submitted as if it came from a hospital system. A medical certificate with a treatment date altered to fall within the policy window.
These documents pass visual review because adjusters are trained to evaluate claim validity, not document provenance. The evidence of tampering is often not in the content — it is in the file structure.
Insurance Claims PDF Fraud: Three Vectors, Three Structural Signatures
Inflated Repair Estimates
