Japan’s auto insurers are facing a new problem - auto theft. In Japan, there used to be no such thing as theft, but auto theft is starting to become a problem; they are talking about the need for a claims database.
Rate-making becomes a primary concern when a country deregulates its insurance industry. Claims fraud is the other important piece of the puzzle.

Venezuela is establishing an auto-claims database designed to identify potentially fraudulent auto claims. ISO has developed a monitoring service that will use a newly created database of the identification numbers of the vehicles each insurer covers. The system is designed to alert insurers when two or more of them are insuring the same vehicle, based on a search for matches on such fields as name and address, personal identification number, vehicle identification number and driver’s license number. One of the most significant sources of auto fraud in Venezuela is perpetrated by individuals who insure the same vehicle with multiple insurance companies and then collect on a claim from all those carriers.

For them, fraud is more of a problem than rate adequacy.

Fraud also looms large in Europe, where separation between the governments and very strict privacy laws present barriers to fighting it. But that may be changing with the emergence of the European Union, which is soliciting sharing of information between member nations.
The European Commission adopted new rules designed to ensure that visiting motorists from European Union member states get rapid compensation in case of a motor vehicle accident while abroad. The new rules, known as the Fourth Motor Insurance Directive, provide for improved information, easier procedures and quicker settlement of claims. The new law will apply not only when the accident takes place within the EU, but also when the accident occurs between two EU parties in a non-EU country that belongs to the green-card system. This system covers some 40 countries, including EU members and others in proximity, such as Switzerland, Norway and Eastern European nations.

Even the biggest countries in Europe are very concerned when they get to general liability that no one company is going to have credible data.