AIC 30 Segment B
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