Predictive analytics has been proven to improve claims-fraud management, and over the past several years has played a starring role in changing how insurers look at pricing. But forget claims fraud and pricing for a moment. Industry experts now are identifying new opportunities to apply predictive analytics in the claims process, and those advancements could mean big changes in the industry.

"We're starting to see some indications in the market that disruption may be starting to build from a claims standpoint," says Mark Gorman, CEO and founder of The Gorman Group, an insurance business-analytics and integration consultancy. "We're also seeing that the claims themselves are becoming both more complex and better adapted to increased automation. By more complex, I mean, what are insurers going to do with a claim when it's for an automobile that's been designed not to have an accident; how do you adjust for that?"

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