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AI-enabled fraud and data authenticity could raise claim severity
A CorVel survey of RIMS conference attendees found 32% expect AI-enabled fraud and data authenticity to be a top driver of higher claim severity over the next three to five years.
AI-enabled fraud and data authenticity are seen as the factor most likely to increase claim severity over the next three to five years, according to a CorVel survey of nearly a third of respondents at the 2026 RIMS conference.
Social inflation, including larger verdicts and prolonged litigation, ranked second as a likely cost driver, with 25% citing it. Medical inflation and more complex comorbidities were cited by 17%, while economic volatility tied to supply chain or tariff-driven cost pressure was cited by 14%, and workforce constraints related to adjuster capacity and experience gaps were cited by 11%.
The survey highlights how the claims industry is balancing efficiency gains from new technology against risks from fraudulent documentation and manipulated information. CorVel said concerns about data authenticity are becoming increasingly important as AI adoption accelerates.
When implemented responsibly, CorVel said AI can also help identify fraud, waste, and abuse by spotting patterns and anomalies that may otherwise be missed. For AI usage today, 33% of respondents pointed to governance concerns, including privacy, security, compliance, and model risk, as the biggest barrier, with other obstacles including skills or time limits, and trust and validation issues.