Fraud Referral Rates Decreased...
Referred claims as a share of monitored claims
- Disability
−1.7 pp
8.9% to 7.2%
- Workers’ comp
−0.7 pp
6.9% to 6.2%
- Auto
−0.4 pp
5.7% to 5.3%
2024 to 2025. Changes shown in percentage points (pp).
2026 Online Fraud Insights Report
Where should your claims team look next? Carpe’s second annual report examines a year of online injury-claim evidence, with new year-over-year comparisons.
2025 Findings at a Glance
...While Modeled Value Increased
$263.8M
Modeled value of contradictory alerts across Carpe’s platform in 2025
Up from $230.6M in 2024
Most Evidence Surfaced After Two Months
~64%
Of referrals involving contradictory alerts surfaced after the first two months following reported loss in 2025.
Only ~36% of evidence surfaced in the first two months, when most online investigations are performed.
Highest Alert Concentration
Top five U.S. states by alerts per 100,000 residents in 2025
- Connecticut
- Nevada
- South Carolina
- Delaware
- Georgia
“Fraud tactics are evolving quickly, and the data shows that where and how suspicious activity appears can shift just as fast. Carriers need to assess claims early and continuously, so they find contradictory evidence before it drives unnecessary payouts or costly litigation.”
Get the 2026 Online Fraud Insights Report
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Talk to our team about the carriers running Online Injury Alerts and Investigative Reports in production today.
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