Panelists will illustrate several methods of constructing scores to highlight those auto injury and homeowner claims that may require investigation because of potential fraud and/or build-up. Investigation by independent medical examination, and its effects on negotiated liability settlements in a no-fault state, will illustrate the value of such scoring methods in auto injury claims handling. Auto and homeowner case studies will also be discussed that give examples of combining internal and external data to improve the detection of questionable claims.