Would you trust a person who you've never met to give you thousands of dollars just because they claimed something happened, and they weren't at fault?
For me, the answer is a simple, no. The same should hold true for insurers, their customers and verifying sensitive documentation.
In the case of online filing, neither the customer nor their documents are physically present, and it is unwise to authenticate a person based on this information alone, especially since insurance companies are seeing an increase in fraud during the claims process.
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