TY  - JOUR
AU  - Sharma, Preeti 
AU  - Malik, Meenakshi 
AU  - Prabha, Chander 
AU  - Aljubayri, Ibrahim 
AU  - Singh, Retinderdeep 
AU  - Khan, Mohammad Zubair 
PY  - 2026
TI  - Optimized Vehicle Insurance Claim and Settlement Procedures Using IOT Sensors on a Blockchain-Based Platform
JF  - Journal of Computer Science
VL  - 22
IS  - 3
DO  - 10.3844/jcssp.2026.1014.1033
UR  - https://thescipub.com/abstract/jcssp.2026.1014.1033
AB  - The conventional vehicle insurance claim and settlement landscape is characterised by significant inefficiencies, including cumbersome claim submissions, arbitrary damage assessments, and susceptibility to fraudulent activities. These problems lead to a longer processing time, higher operational cost to the insurers and a reduction in policyholder satisfaction. To address these important challenges, this study proposes a streamlined vehicle insurance claims system that fuses data supplied by IoT sensors and a blockchain-based platform. Our proposed system simplifies the lifecycle of claims by exploiting the immutability and transparency of the distributed ledger of blockchain and automating the smart contracts. IoT sensors can be used to provide objective data on the verification of incidents (real-time data), and smart contracts can be used to pay out claims based on predetermined rules (without human intervention), reducing the risk of fraud. Additionally, a risk management model and mathematical security calculations through hashing and Elliptic Curve Cryptography (ECC) makes resilience stronger. An internet of things (IoT) pilot study of vehicles shows 40% faster claim settlements, higher than 92% fraud detection rates, and increased stakeholder trust. This new strategy is set to improve the safety, effectiveness, and equity of the auto insurance claims, a step towards a more trustworthy and dependable ecosystem to all parties involved.