Instantly verify VIN authenticity—even when DMV titles and histories look clean.
Ghost (synthetic) VIN = a computer-generated VIN for a vehicle that was never manufactured.
We verify existence at the manufacturer/source level. DMV and history reports can't detect Ghost VINs—they rely on the same validation methods criminals exploit to get real titles for fake VINs.
We prove that—instantly.
Simple integration into your FNOL and triage process
Claim intake captures the VIN from the reported incident (theft, total loss, etc.)
Real-time response (< 2 seconds) with:
Claims system automatically holds payment and escalates to SIU based on configurable risk threshold. No manual review needed for routine claims.
Complete documentation package with verification results, anomaly details, and supporting data for denial/referral. See sample pack →
SIU investigates with evidence pack. Deny phantom claims, refer to law enforcement, or clear legitimate claims with full audit trail.
Tailored for Claims, Underwriting, and SIU teams
Catch phantom claims at intake before any payout consideration.
Prevent policies on non-existent vehicles before they're issued.
Build prosecutable cases with comprehensive evidence packages.
See exactly why a VIN was flagged—no mystery algorithms
VIN not found in manufacturer production databases for the specified model/year
VIN passes basic validation but plant code and sequence number don't match manufacturer cross-source data
Manufacturing plant code doesn't match vehicles produced that year for the specified model
VIN sequence doesn't align with documented production run for that vehicle line
Every flagged VIN includes specific trigger reasons in the API response and evidence pack. Your adjusters and SIU investigators know exactly what to investigate.
What you get to document denials and referrals
See exactly what your SIU team receives for every high-risk VIN. Real format, anonymized data.
Scan historical claims to identify indemnity leakage and potential recoveries
Audit last 24 months of auto claims in one week. We deliver a ranked list of likely phantom payouts and documentation for recoveries.
Real results from a mid-market auto insurer (anonymized)
*FN estimate based on subsequent law enforcement recoveries showing additional ghost VINs in original dataset
Seamless connection to your existing claims and policy systems
Enterprise-grade reliability for mission-critical claims operations
99.9th percentile API response time
Enterprise availability guarantee
VINs per batch upload (overnight processing)
Volume-based pricing that pays for itself
Preventing just one phantom claim typically covers the cost of verifying thousands of VINs. Our pricing is designed to deliver immediate positive ROI.
We'll analyze your claim volume and fraud exposure to show exactly how verification pays for itself in your portfolio.
Reduce anxiety about operationalizing—clear playbook for your team
Claims system automatically places hold on claim. Adjuster notified of ghost risk score. Reserves adjusted based on score severity.
Contact claimant for: Original manufacturer invoice/window sticker • Purchase receipt • Lienholder information • Photos of VIN plate and federal certification label
SIU downloads evidence pack and investigates. Cross-check against NICB, NCIC, state DMV records. Interview claimant if needed.
Confirmed Ghost VIN: Deny
claim, refer to law enforcement, submit to NICB
Inconclusive: Request
independent VIN inspection
False Positive: Clear hold, process claim
normally
Every decision is logged: API call timestamp, score, reasons, adjuster actions. Full defensibility for regulatory audits and litigation.
Start with a free backtest of your closed claims or book a 30-minute demo