In this experiment, we tested the verifiability approach in an insurance claim setting. Core of the verifiability approach is that truth tellers give more details that can be verified than liars. Fifty undergraduate students took part, who produced true and false insurance claim statements related to theft, loss, or damage. These statements were coded in terms of verifiability (the number of details that could be checked by an investigator) and witness factors (friends, police, other officials and CCTV cameras). Truth tellers provided more verifiable details than liars and liars provided more unverifiable details than truth tellers. In addition, truth tellers (versus liars) more frequently informed their friends about the incident or referred to CCTV footage of the incident. The potential and limitations of using the verifiability approach in insurance settings are discussed.
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