Insurance companies request photos because they need evidence to document the condition of the item being insured or the damage being claimed. The photos serve as an objective record to prevent fraud, verify details, and correctly determine value. Here’s the breakdown by purpose:
1. To Verify the Condition Before Coverage
Before offering or adjusting a policy (cars, property, jewelry, electronics, etc.), insurers want to see what shape the item is in.
- This prevents someone from buying insurance after damage has already happened and trying to claim it.
Example:
Taking photos of your car when starting a new policy helps prove it wasn’t already dented or scratched.
2. To Assess and Confirm Damage After an Incident
After a loss (accident, fire, water damage, theft recovery, etc.), photos help the insurer:
- Understand what happened
- Measure severity and repair costs
- Confirm that the damage is real and recent
This allows them to calculate the appropriate settlement.
3. To Prevent Fraud
Fraud is a major cost driver in insurance. Photos act as:
- Evidence
- Time-stamped documentation
- A way to ensure claims match reality
If they didn’t require photos, people could:
- Claim more damage than occurred
- Claim damage that occurred in the past
- Claim damage that happened to a different property or vehicle
4. To Improve and Speed Up Claims Processing
Many insurers use:
- Image analysis software
- AI damage assessment
- Standardized evaluation checklists
Clear photos help speed up:
- Approvals
- Repairs
- Payouts
5. To Protect You and the Company Legally
Photos create a record in case:
- There is a dispute later
- A third party challenges liability
- Courts or adjusters need evidence
In Short
| Reason | What It Prevents | Why It Helps |
|---|---|---|
| Document pre-existing condition | Fraud | Ensures fair policy pricing |
| Verify claim damage | False or inflated claims | Speeds up settlement |
| Legal record | Disputes later on | Protects both parties |