22.05.2024

Why does a digital Rososmotr need to be done on-site?

Many users of the Rososmotr mobile app ask the following question, "Why can't I download photos of the inspection object from my smartphone's gallery and not have to travel to inspect the object directly on the ground?".

It would seem, indeed, that it would be much simpler that way. However, this simpler hides some very unpleasant consequences if fraudsters manage to take advantage of it.

Statistics of inspections in banks, insurance and leasing companies show that the percentage of manipulations with inspections is quite serious (in the range of 8-10%, and possibly higher, as many fraud attempts remain undetected forever or for a long time), and the substitution of inspection results is fraught with significant financial consequences. Imagine, for example, that upon acceptance for insurance, one broken SUV is substituted for another similar, but unharmed, vehicle. This is possible with unprotected inspections without Rososmotr technology, if you first take a picture of the VIN number of one car, and then go on to inspect a completely different car. And then an application is submitted to the insurance company to settle the damage for the full insured value of this car. Prices for cars are well known to everyone and they are not small, that is, for the insurance company the loss of the amount of the cost of even one SUV causes very, very serious damage.

Let's consider another situation when a user has to inspect the foundation of his future building in order to receive another credit tranche for construction. Without a secure digital Rososmotr, he may send a photo of his foundation, which is not his foundation at all, and, having received the tranche, spend all the money for completely different purposes. For the inspection company, this situation threatens to cause losses, as it is obvious that the fraudster does not intend to repay the loan.

• The Rososmotr mobile application has multi-stage protection against fraud, which allows you to accurately determine the coordinates of the inspection, check and compare them in various ways. And this makes life very difficult for fraudsters.

• There are a lot of variants of manipulation with the results of inspections - fraudsters are fictitious, but since Rososmotr uses a whole range of security measures, the level of protection against fraud in digital inspections is very high.

To summarise, we can say that the shooting of digital inspections by Rososmotr is carried out at the location of the object without uploading photos from the smartphone gallery as one of the security measures, which ultimately benefits the customers themselves, because the less damage from fraudsters, the lower the prices for services and goods of inspection companies will be, because they will not have to transfer the damage to the tariffs.