AIC 30 Segment B

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Effective statements

Are Coherent, Complete and objective

Initial Credibility

The degree of credibility an individual has before interpersonal communication begins

cluster analysis

A model that determines previously unknown groupings of data

Internet of Things (IoT)

A network of objects that transmit data to and from each other without human interaction

National Insurance Crime Bureau (NICB)

A not for profit organization exclusively dedicated to preventing, detecting, investigating, training, legislative advocacy, and public awareness.

Direct question

A question that seeks specific information and that can often be answered with a short phrase or a yes or no response.

Sworn statement

A signed record of events surrounding an event as told by the interviewee that contains language attesting that it is true.

Office of Foreign Assets Control Reporting (OFAC)

Certain claim payments and other insurance transactions must be reported to the federal government (Ie. Special designed nationals (SDN))

Specialty reporting service providers

Art Loss Register(ALR), National Equipment Register (NER) and Marine Index Bureau (MIB)

Data mining

The analysis of large amounts of data to find new relationships and patterns that will assist in developing business solutions

Centriod

The center of a cluster

Seven part method

-Permission and introduction -Identification -Setting -Incident -Post incident injuries/Damages -Miscellaneous -Conclusion

NMVTIS

45 states participate, helps prevent introduction or reintroduction of stolen vehicles into interstate commerce, protects from automobile title fraud, etc....

Special Investigation Unit (SIU)

A division set up to investigate suspicious claims, premium fraud, or application fraud.

Misrepresentation

A false statement of a material fact on which a party relies.

Open-ended question

A question that seeks an answer that explains or elaborates on the circumstances under consideration

Leading question

A question that seeks or suggests a particular answer

Unsupervised Learning

A type of model creation, derived from the field of machine learning, that does not have a defined target variable.

Hard Fraud

Actions that are undertaken deliberately to defraud.

Staged Accident

An accident deliberate caused by a person who intends to feign injury and collect on the ensuing claim

Terminal credibility

An individual's perceived credibility after interpersonal communication in a given situation has occurred.

Derived credibility

An individual's perceived credibility during interpersonal communication

Insurance Fraud

Any deliberate deception committed against an insurer or an insurance producer for the purpose of unwarranted financial gain.

Nonverbal communication

Communication that is not spoken or written, including eye movement, kinesics, appearance, and time and space

Effective written communication

Documentation must be clear, concise, accurate, objective and professionally written

Soft Fraud (opportunity fraud)

Fraud that occurs when a legitimate claim is exaggerated

Material fact

In insurance, a fact that would affect the insurer's decision to provide or maintain insurance or to settle a claim.

Purpose of claims communication

Investigation, evaluation, negotiation, resolution

National Council in Compensation Insurance (NCCI)

Manages the nations largest database of workers compensation insurance information. Most reporting is handled via them. Providing a Bureau Compliance Statistical Service (BCSS)

Spoliation of evidence

The act of destroying or hiding evidence adverse to the party.

Occupational Safety and Health Administration (OSHA)

The federal govt used workers compensation statistics to develop laws for....

Medium

The means by which a message is transmitted from sender to receiver

Receiver

The person who chooses the verbal and non-verbal symbols in the sender's messages to interpret the message's meaning

Sender

The person who initiated the communication process

Decoding

The process by which a receiver interprets a sender massage

Active listening

The process of listening with mental and physical openness to more clearly determine a message's meaning

Encoding

The process of translating a message into words

social network analysis

The study of the connections and relationships among people in a network

Barriers to effective communication

The telephone, hostility, language, culture

Telematics

The use of technological devices to transmit data via wireless communication and GPS tracking

Message

The words a sender used in the communications process and their underlying theme

Network analysis

They study of the nodes (vertices) and edges (lines) in a network

Affidavit

a sworn written statement

K-means

an algorithm in which "k" indicates the number of clusters and "means" represents the clusters' centroids

Concealment

an intentional failure to disclose a material fact


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