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Insurance fraud isn’t a back-office inconvenience anymore. It has become a strategic threat, a silent tax on every carrier, and a margin-killer hiding in plain sight. And in 2026, it’s evolving faster than most insurers can respond.  The industry already loses an estimated US $122 billion every year to P&C claims fraud, which accounts for an estimated 10% of all submitted claims[1], siphoned away before anyone notices. That number is growing not because insurers aren’t workin