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Siebel Insurance Guide > Managing Claims >
Checking a Claim Against the ISO Database (End User)
The ISO ClaimSearch database is an insurance fraud detection system owned by the Insurance Services Office (ISO), a U.S. specific organization. This task is a step in Process of Managing Claims. ISO is one of the largest private databases in the world and it contains detailed records of insurance premiums collected and losses paid from participating insurers. Insurance companies can become a member of ISO and they can send claims information to ISO to check whether similar claims have been filed with other insurance companies. ISO Database search currently handles only Auto (Insured and Adverse Claimant) and Property (Insured only) searches. End users use either the ISO Database Search view or the ISO Database Search Attachments view to check whether a similar claim has been filed by the claimant with another insurance company. The ISO Database Search view displays the search records and, in the Claim Matches list applet, any matching records for that search that are returned by ISO. The ISO Database Search Attachment view also displays the search records, and in the Attachments list applet, displays the actual search responses from ISO as XML data. Clicking the Attachment name opens the XML file in the default editor. The end user can also drill down to this view from the ISO Database Search view, through the Match Details field. The claim data that must be sent to ISO for a database search is shown in Table 6.
Table 6. Required Data for ISO Database Search
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For each claim submitted |
- Report Type
- Insuring Company ID
- Policy Number
- Policy Type
- Claim Number
- Date of Loss
- Location of Loss State
- Loss Type
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For each involved party |
- Role in the Claim
- Business Name (for accounts)
- First Name (for contacts)
- Last Name (for contacts
- Address Information Line 1
- City
- State
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For a casualty or third-party property damage loss |
Alleged Injuries or Property Damage |
For first-party property loss |
Theft items |
In the ISO Database Search view, the Report Type field specifies the type of search as follows:
- Initial Search. Used when a claim is sent to ISO for the first time. The ISO ClaimSearch system writes the claim data to its database and then searches the database for claims that belong to the same claimant. This report type is used only for a first-time search or for resubmitting an initial search that had errors.
- Replacement. Used to overwrite data sent in the initial search. The data is updated in the database and a new search is performed. To locate the initial claim in the database, the data must include the Insuring Company ID, Claim Number, Policy Number, and Date of Loss.
When the end user submits the search, the information displayed in the ISO database search list applet is shown in Table 7.
Table 7. Information Displayed in the ISO Database Search List Applet
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Date |
The date when the search request was submitted. |
Requested by |
The ID of the person who submitted the request. |
Status |
The status of the request:
- Pending. The request is being created.
- Acknowledged. The request has been received by ISO.
- Error. The search is completed and there are errors.
- Complete. The search is completed and there are no errors.
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# Matches |
The number of matches returned. |
Error Message |
Any error messages returned. If the data sent is incomplete, or fields contain invalid data, an error is returned. |
Match Details |
A link that the end user can drill down on to see the details of matches. |
To check a claim against the ISO database
- Navigate to the Claims screen.
- In the Claims list, drill down on the desired claim.
- Click the Reports / Documents, then the ISO Database Search view tab.
- Create a new record.
- In the Report Type field, select Initial Search or Replacement.
NOTE: You can perform a replacement search only if at least one initial search has already been completed for the claim record.
- Click Submit to send the claim data to ISO.
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