Report: Disability, Workers’ Comp, Auto Claims Were Most Common Injury Frauds Found Online

The highest rates of contradictory evidence that led to insurance fraud found online were disability, workers’ compensation and auto lines, a new report shows.

A report out this week from Carpe Data shows 8.9% of disability claimants were found to have misrepresented their claim, followed by 6.9% of workers comp claims and 5.7% of auto claims.

The report, 2025 Online Fraud Insights report, analyzes the top locations, demographics and tactics for insurance claims fraud in the U.S. It found that injury fraud thrives in areas where strong legal networks, high population density, heavy tourism, economic hardship and legal loopholes create opportunities for fraud.

Not surprisingly, nearly all the insurance fraud found online (82.7%) was found on social media. Facebook, where claimants were most likely to post about travel, workouts and their lifestyle, produced the largest source of online red flags for insurers. Instagram, LinkedIn, TikTok and X were other social media channels were fraud was often found, according to the report.

The report uses Carpe Data’s findings from 2024 based on monitoring of open injury claims across auto, workers’ comp, general liability, and disability lines, to highlight the most common ways insurers uncover contradictory evidence. That includes monitoring online channels such as social media, local news and public records.

According to the report, 35% of all fraud referrals occur in the first two months. First, claimants often make their most revealing online updates before the traditional fraud detection process kicks in.

Younger claimants, between 18-24, were more likely to fraudulently claim injury. This age demographic is more likely to trigger physical activity and unlawful activity-related flags, likely due to riskier behaviors and cultural pressure to overshare on social media channels, the report shows.

The top cities for fraudulent injury claims include:

• Las Vegas
• Jacksonville
• Los Angeles
• Huston
• Brooklyn
• San Antonio
• Atlanta
• Dallas
• Tampa
• San Diego

The report concludes that areas experiencing the highest fraud alerts because of a mix of reasons, including strong personal injury markets and attorney-driven fraud, high population density and urban fraud rings, high tourism and transient populations and loopholes in workers’ comp laws.