Milliman：2025年从未发生过的事故：生成式人工智能与汽车保险欺诈报告（英文版）

The rapid rise of generative artificial intelligence (generative AI) technology is fundamentally reshaping the insurance industry, offering both significant opportunities and new, complex risks. This research project investigates the emerging threat of AI-generated car photos, focusing on how fraudsters exploit generative AI to fabricate or manipulate images and evidence for fraudulent claims. The study aims to understand the scale of this risk, evaluate the effectiveness of current detection