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Ghost Broker & Insurance Card Scams

Every state requires that every vehicle operated on public roads have current insurance that meets or exceeds minimum limits. States take this very seriously: drivers cannot update annual vehicle registrations without proof of insurance, drivers are at risk of costly fines if their insurance lapses, and now many states report lapsed insurance to state DMVs (although the reporting periods vary considerably by state). With the coming of virtual drivers licenses and vehicle license plates, it will become increasingly difficult to avoid maintaining current insurance in the years to come.

However, many people – including many otherwise ‘good’ drivers - struggle with or are unwilling to pay for insurance that typically costs $50-$100 month or more for each covered vehicle. There are regions of the country where 25% or more of drivers elect to go without insurance for all or part of the year. The incentive to find ‘work-arounds’ is high for such persons, many of whom are poor or working class making modest incomes. Their needs are too often facilitated by persons representing themselves as brokers (otherwise known as ‘ghost brokers’), or by carriers who fail to adequately monitor serial applicant-policyholder-cancel-repeat behavior of persons helping themselves to gaps in carrier and aggregator origination systems. Such behavior is most common in direct business, and is potentially very costly to carriers caught by this behavior.

idFusion fusion tools can be configured to identify these scenarios, and prevent them from recurring:

idFusion idFusion receives carrier-supplied application and third party data via one or more web service calls during active transactions. idFusion applies advanced entity resolution solutions to resolve identity, address and other possible data conflicts, and then fuses new information with carrier history to drive a resolved customer identity and data set for further analysis.
idnetwork idNetwork looks for applications that share a common mailing, garaging or billing address, a common phone number or shared IP address to discern potential ‘ghost broker’ situations at POS It is common for such persons to ‘farm’ specific locations (e.g., apartment complexes, neighborhoods or developments). Alerts about such risks are posted to idWorkbench work queues for review and investigation.
idQuoteMonitor idQuoteMonitor and idRulesEngine then comb the network for listed drivers and/or vehicles that appear on multiple policies that appear sequentially. ‘Serial’ policyholders (those that acquire and quickly cancel policies multiple times per year) are readily detected in our graph environment, and can be interdicted at POS.
idResolve idResolve can then be invoked to recapture any unpaid premiums, interview customers about their prior behavior and its implications, and inform customers of payment or policy restrictions imposed due to prior behavior. It can also be used to refer customers to another channel, or deny an application entirely.
TrustMark TrustMark scores and associated watchlists can then be updated with this new information, and additional idRulesEngine alerts triggered upon receipt of a claim, billing issue, endorsement or cancellation notice related to an issued policy and routed to idWorkbench for further review.


• 1-4% of vehicle images show evidence of commercial use.