Personal Injury Protection Plans require the payment of all reasonable claims, up to $250,000 in some states, leaving P&C companies vulnerable to established fraud rings that include phony pain clinics and corrupt physicians, chiropractors and lawyers. According to the Insurance Information Institute, Property & Casualty insurance fraud cost insurers $27 billion in 2001 and adds as much as $240 to the average family's auto insurance.

Insurance companies are required to settle all claims within a time period as short as 30 days, limiting the ability for any extensive investigation on potential fraud cases. Often simple indications of fraud, such as questionable provider information, unusual time gaps in treatment, false procedural codes and inconsistencies between the nature of the accident and resulting treatments, will go unnoticed.

With the majority of claims paid automatically, and with built in features including treatment calendars and provider and procedural code databases, ePIP provides claim handlers with the time and the means to greatly reduce fraud loss within their organizations.