EXCLUSIVEFraudsters turn to AI and deepfakes to make dodgy 保険 （人命などを）奪う，主張する photos - can YOU tell them apart?
- Rise of AI is 主要な to a growing wave of 犯罪のs trying to scam 保険会社s
- Cost of this trickery is passed on to honest drivers, homeowners and more
Growing numbers of Britons are using doctored images and 文書s to make fraudulent 保険 （人命などを）奪う，主張するs - with many impossible to 位置／汚点／見つけ出す with the naked 注目する，もくろむ, This is Money can 明らかにする／漏らす.
The 普通の／平均（する） 保険 詐欺 was 価値（がある） £15,000 in 2023, with 保険会社s （悪事，秘密などを）発見するing £1.1billion of 偽の （人命などを）奪う，主張するs, によれば the 協会 of British 保険会社s.
Every fraudulent （人命などを）奪う，主張する 押し進めるs up the cost of 保険 for honest 世帯s, and an 現れるing technique is to use digitally-altered photos and 文書s to try to scam money out of 保険会社s.
This can take the form of photos of cars that are doctored to look like they have had a serious 衝突，墜落, or pictures of house contents that have been altered to appear 損失d, によれば 保険 危険 and data 会社／堅い Verisk,?
Some of the photos below, 供給（する）d to This is Money 排他的に by Verisk, show how 納得させるing these 偽の images can be.?
位置／汚点／見つけ出す the difference?: In an example of how 納得させるing 偽の photos can be, the real photo of the car on the left was edited using AI to have 損失 示すs that could deceive an 保険会社
類似の techniques are used on 保険 文書s, 含むing 保険 政策s and no （人命などを）奪う，主張するs 割引s for モーター 保険, which are 存在 tweaked using computers to try to defraud 保険会社s.
This 数字表示式の trickery started 集会 pace in 2017, によれば Verisk 製品 経営者／支配人, anti-詐欺, Kaye Sydenham.
The earliest 事例／患者s saw fraudsters make 偽の 保険 （人命などを）奪う，主張するs using photos they 設立する online.
But di gital photo 巧みな操作 has only gathered pace since then, for several 推論する／理由s.
One is that 科学（工学）技術 has 改善するd so that very 納得させるing photos and 文書s can be digitally altered at home - often with 解放する／自由な programs and AI ソフトウェア.
Another is that the cost of living 危機 has left many people poorer, and therefore with more incentive to commit 詐欺.
Bureau of 調査: Again, 解放する／自由な AI ソフトウェア quickly made the real photo on the left appear to have scorch 示すs from a 非，不，無-existent 解雇する／砲火／射撃 - enough to catch out an unwary 保険会社
But many 保険 詐欺s are not carried out by those struggling financially, but instead by 犯罪のs, often with links to organised 罪，犯罪, who see 保険会社s as 平易な 的s.
That has より悪くするd since the pandemic, when many 保険会社s 可決する・採択するd more remote working patterns and 自動化するd （人命などを）奪う，主張するs systems.
Many 保険会社s use online, 自動化するd systems for low-value （人命などを）奪う，主張するs, and this is an area 熟した for deepfake trickery with （人命などを）奪う，主張するs, Sydenham said.
Low-value （人命などを）奪う，主張するs are often put through 自動化するd systems. The exact 鮮明度／定義 of 'low value' 変化させるs between 保険会社s, but is £2,000 or lower as a 支配する of thumb.
Taking humans out of the system makes it easier for fraudsters to こそこそ動く a 偽の （人命などを）奪う，主張する through.
Canvassing opinion: Would you be able to 位置／汚点／見つけ出す that the roof 損失 in the 権利-手渡す photo is 偽の, 完全に created by ソフトウェア? The real photo of the roof is on the left
The exact number of digitally-altered （人命などを）奪う，主張するs is unknown, but Sydenham says one in 10 of the lower-value （人命などを）奪う，主張するs analysed by Verisk has a red 旗 for this type of 詐欺.
Although home and モーター 保険 sees the most image 詐欺, other areas of 保険 are 傾向がある to it too.
'Any line of 商売／仕事 is open to this', Sydenham said. 'It is more 流布している in モーター and 国内の 所有物／資産／財産 （人命などを）奪う，主張するs, as they are lower value. But I think it will be rife in travel and pet 保険.
'AI ビデオs could be coming, such as dashcam ビデオs of 偽の 衝突，墜落s. It could be a bit of a whack-a-mole, chasing fraudsters and what they might do next.'
Verisk has developed clever 科学（工学）技術 that can help 保険会社s 位置／汚点／見つけ出す this sort of 数字表示式の image 巧みな操作.
This ソフトウェア can 位置／汚点／見つけ出す when images have been altered, and helpfully 最高潮の場面 any changes.
It also 監視するs the metadata of photos - the underlying data that explains how and where a photo has been made.
Verisk can check this metadata for any tell-tale 調印するs that a photo might not be 本物の, such as a 場所 that does not match the 残り／休憩（する） of the （人命などを）奪う，主張する 詳細（に述べる）s.
The ソフトウェア can also 成し遂げる a 類似の 詐欺-破産した／（警察が）手入れするing 仕事 with 文書s, for example by 跡をつけるing any changes that have been made.
It can even 打ち明ける changes that have been made to 文書s step by step, letting 保険会社s work out 正確に／まさに where the 試みる／企てるd 詐欺 is happening.
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(v)提携させる(n)支部，加入者 links: If you take out a 製品 This is Money may earn a （売買）手数料，委託（する）／委員会／権限. This does not 影響する／感情 our 編集（者）の independence.
