There are a few things you can do to dramatically reduce the fraud risk.
Take the video of the damage immediately and through your own app. Now you can confirm with decent certainty the where/when of the incident and stop double-claims. You can also refuse to pay for any damage unseen in the video. No more "I hurt my back" type claims weeks later - unless you said your back hurt at the time, it isn't going to be covered.
Next, you require the user upload all the receipts they are claiming before you'll pay them a cent. This means that users will typically repair stuff 'on the cheap', rather than using very expensive repair/rebuild services that they'd use if they knew for sure insurance would be paying.
Third, you either pay avery claim in full, or not at all. If you find any evidence of fraud, you don't do a partial payout.
There are a few things you can do to dramatically reduce the fraud risk.
Take the video of the damage immediately and through your own app. Now you can confirm with decent certainty the where/when of the incident and stop double-claims. You can also refuse to pay for any damage unseen in the video. No more "I hurt my back" type claims weeks later - unless you said your back hurt at the time, it isn't going to be covered.
Next, you require the user upload all the receipts they are claiming before you'll pay them a cent. This means that users will typically repair stuff 'on the cheap', rather than using very expensive repair/rebuild services that they'd use if they knew for sure insurance would be paying.
Third, you either pay avery claim in full, or not at all. If you find any evidence of fraud, you don't do a partial payout.