Claims/DEMO-0001Example claim — not real data

DEMO-0001 · Vehicle collision · 16 September 2026
3 things do not add up — 2 in the photographs, 1 in the account.
98
Suspicion / 100
Referral recommended
Provisional score
Not yet checked against real claim outcomes, so treat it as a guide to what to look at, not as the odds that this is fraud.

What does not add up 03

01
This photograph was submitted before, on another claim
Photographs
Why it stands out
It is identical, file for file, to a photograph filed under CLM-4417.
It could be nothing, if
The claimant may have resubmitted an old photograph in error, or this may be a supplement to the earlier claim rather than a new loss.
02
A photograph was taken before the incident
Photographs
Why it stands out
It was taken about 4 days before the date given for the incident, even allowing for any time-zone difference.
It could be nothing, if
A device with an unset clock can be days out. The incident date may also have been reported approximately.
03
The weather does not match the account
The account
Why it stands out
The account says it was raining hard. The weather record for that place and time shows a clear sky and no rain across the whole afternoon.
It could be nothing, if
Very local rain can be missed by the nearest weather station, and the claimant may be describing a different moment.

What to ask the claimant

  1. Can the claimant provide the original photographs from the device they were taken on?
  2. Was a police report filed, and can the reference be supplied?
  3. Can the claimant account for the photograph previously submitted under claim CLM-4417?

What the claimant told us

“I was stopped at the lights on Canal Street when a truck went into the back of me at about 45 miles an hour. It was raining hard at the time. The whole back of the car is crushed and the front bumper came off as well. I have had the car three years and there was never any damage on it before this.”

What we checked it against

Weather that dayClear, no rain recorded
DaylightFull daylight at the time given
Vehicle on record2003 Honda Accord coupe, front airbags fitted
AirbagsNot relevant — front airbags are not expected to open in a rear impact
1 other check ran but is not reliable enough to count
F-DOC-009 — Noise residual flagged a contiguous region. Measured at chance level against real photographs, so it scores zero.

An aid to investigation, not a decision. The adjuster decides.