In the past, insurers could write off fraud expenses with investment income and capital reserves. But those days are over. Reduced investment income and reserves have forced insurers to face such operational bugaboos as fraud and subrogation head on. Fortunately, insurers ahead of the curve have identified technology-based strategies to get to the heart of the matter.

At Novato, Calif.-based Fireman's Fund Insurance Co., claims adjusters are expected to reconcile claims rapidly. Therefore, adjusters might overlook irregularities associated with a claim.

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