Unlocking ARIS: Smart Tools to Settle Claims and Fight Fraud

September 5, 2025

ARIS reports help insurers close claims faster and fight fraud faster. Centralizing access is redefining the playing field.

Intro:

• In today’s claims environment, speed, accuracy, and fraud resilience are essential. But not all data insurers need is created equal — and not all reports give them the full picture.
• ARIS – Ontario’s Authorized Requester Information System – is a game-changer. For ARIS-authorized insurers, access to detailed driver and vehicle data means faster claims validation, sharper fraud prevention, and stronger claims defensibility.
• That’s why leading insurers are leveraging centralized claims tools like ISB Global Services’ platform to simplify ARIS access and gain a critical edge.
• Through ISB’s platform, ARIS-authorized insurers can request ARIS reports with personal, original-source data not available through public channels –– like driver records and vehicle history reports –– often the key information they need to settle claims faster or investigate fraudulent auto claims.
• ISB’s platform unlocks 14 new ARIS-authorized digital reports, including Plate-to-VIN, Odometer Readings, and Quick Quote.
• “Whether it’s settling a claim efficiently or investigating suspicious activity, ARIS is a decision-accelerator. By centralizing access to ARIS reports within ISB’s platform, claims and SIU teams get the verified data they need — faster, in one place, and ready to act on with confidence.” – Chris

What is ARIS? A Quick Guide for Insurance Teams

• ARIS is a Ministry of Transportation of Ontario (MTO) program developed in partnership with the Office of the Information and Privacy Commissioner of Ontario.
• It allows authorized organizations — including insurers — to purchase personal driver and vehicle data not included in public records, like names, addresses and driver’s licence numbers.
• “This is often the critical data insurers need to settle claims faster, prevent fraud and defend claims in court.” – Pamela.
• Unlike non-authorized reports, ARIS reports deliver more complete and actionable data, with faster turnaround times and cost savings – all of which can be accessed easily through ISB’s advanced platform.
• “ARIS lets insurers verify key details they wouldn’t normally have access to, directly from the source. It’s an essential tool to help ensure claims are settled quickly and accurately — and a powerful asset when you’re trying to separate real claims from suspicious ones.” – Laurence.

What ARIS-authorized Insurers See That Others Can’t

• Becoming ARIS-authorized opens the door to a deeper, more complete view of personal driver and vehicle records — the kind of original-source details that can make the difference between a fast, fair claim settlement and a prolonged investigation.
• Depending on the use case, ARIS-authorized insurers can purchase a range of reports, and they go beyond what non-authorized versions provide. Here’s the difference:
  • Driver Record Abstract – Also includes full address details.
  • Name Search for Driver’s Licence Number – Also includes the driver’s licence number.
  • Licence Plate History – Also includes the name and registered owner.
  • Plate Search for Owner – Also includes name, driver’s licence number, and address.
  • VIN History – Also includes the name and driver’s licence number of the registered owner, plus the date the plate was attached.
  • ARIS authorized requesters can also access Commercial Vehicle Operator or Summary Reports and Motor Vehicle Accident Police Reports.
• With turnaround times ranging from immediate to within 24 or 48 hours — and cost savings on certain reports — ARIS ensures insurers can secure the information they need, when they need it, to keep claims moving.

How ARIS + ISB Streamlines Claims Settlements

• Canada’s claims adjusters face mounting pressure to deliver faster, fairer, and more accurate settlements – against a backdrop of record-breaking claims volumes.
• “But it’s no longer just about fulfilling the promise of a claim. It’s about doing it quickly, fairly, and accurately. For policyholders, speed and efficiency are what matter most when their claim is on the line.” – Chris.
• Insurance customers say claims handling is by far the single most important factor, with 95% of policyholders saying their satisfaction depends on how fast their claim is settled. And Canadian insurance brokers agree claims handling quality remains the top factor when deciding where to place their business — making streamlined access to critical reports like ARIS a true competitive differentiator.
• That’s where centralized sourcing of ARIS reports through a platform like ISB’s, gives insurers a measurable advantage, by streamlining workflows, enhancing data acess, and supporting real-time decision-making that enables them to achieve more with greater efficiency.
• Accessing ARIS reports through ISB help insurers:
  • Enhanced Data Handling & Audit-Readiness: ARIS delivers original, unaltered records direct from the source — including details not available in public reports — to help insurers settle claims and prevent fraud. Every ARIS document request through ISB is mapped to strict security and audit standards, including real-time tracking and full traceability, and exportable audit trails.
  • Faster Decisions via Centralized Access: ARIS offers shorter turnaround, meaning adjusters get what they need faster in one centralized system.
  • Smarter Settlements: ARIS reports are consistent and reliable, giving adjusters the confidence to make informed decisions quickly, improving accuracy and speeding up fair claim resolutions.
• “With ISB, everything adjusters need, including ARIS, is in one place — fast, secure, and purpose-built to streamline claims.” – Pamela.

How ARIS + ISB Strengthens Fraud Prevention

• Canada’s insurers continue battling fraud and auto theft theft losses. Claims fraud investigations rose 76% last year, while auto theft reached a record $1.5 billion in 2023.
• With ARIS access through ISB, Special Investigations Units (SIUs) are empowered to:
  • Expose staged collisions and odometer fraud.
  • Validate ownership details and driver identities.
  • Trace vehicle histories across multiple jurisdictions.
• ISB’s platform delivers reports that meet courtroom and audit standards — unaltered, verified and compliant.
• “Without ARIS, insurers are lacking critical personal data they could’ve unlocked — often a liability in fraud investigations. Unlocking ARIS through ISB’s intelligent platform can be the difference between detecting fraud or missing the signs in these reports entirely.”– Laurence.
• When it comes to adding to insurers’ fraught-fighting toolbox, ISB also offers a new insurer-specific VIN-scan solution and social media screening tools — helping teams expose fraud and connect digital breadcrumbs to physical evidence.
• Combined, these tools help insurers stay ahead of increasingly sophisticated fraud tactics.

Why Leading Insurers Centralize with ISB

• In a claims environment where speed, accuracy, and compliance define market leaders, centralized access isn’t a convenience — it’s a competitive advantage. ISB’s platform was built for insurers, by people who understand the realities of claims and investigations.
• In addition to ARIS reports, insurers gain a single, secure access point to 70+ verified report types — with filters by region, claim type, and use case — covering everything from police reports and PPSA/Lien searches to land title searches and CARFAX National Lien reports. Every document is original-source, audit-ready, and delivered with the speed needed to keep settlements moving.
• “It’s no longer about whether you can get the information — it’s about how fast and how reliably you can get it. When adjusters have everything they need in one place, they can focus on the claim, not the chase.” – Chris.
• Centralization also brings another critical edge — full-service support and insight. ISB provides insurance-focused onboarding, training, and account management, including help navigating MTO’s rigorous ARIS application process.
• ISB’s powerful data management keeps every report organized, searchable, and exportable, while tailored workflows and analytics give insurers visibility into ordering trends, costs, and operational efficiencies.
• “ISB’s clients know we’ve taken the guesswork out of sourcing. Our clients know each document request will arrive exactly as needed — fast, compliant, and consistent.” – Pamela.
• With ISB, adjusters spend less time chasing paperwork and more time making fair, accurate decisions. Costs drop, errors shrink, and compliance becomes part of the process — not a hurdle. One leading insurer saved over 20,000 hours of adjuster time — translating to more than $1 million in productivity gains — by streamlining sourcing with ISB.
• “It’s not just about accessing the data you need — it’s about knowing it’s accurate, secure, and in your hands fast enough to make a difference.”- Laurence.

Conclusion: Turning Data into an Advantage

• “In an era of rising auto fraud and ever-shorter claims timelines, ARIS is a faster path to fair settlements and a stronger defence against fraud — and centralizing access in one secure platform turns that speed into a strategic advantage." – Chris.
• Whether they need ARIS or key other insurance data, ISB equips claims and SIU teams to deliver speed, accuracy, and confidence they need to close files faster and combat fraud.
• “With so much riding on efficient claims and reducing fraud, insurers can’t afford to be reactive anymore. Centralizing access to take advantage of ARIS is one of the smartest ways they can stay ahead — and keep their customers’ trust.” – Chris.