VIN-repeat, geo-cluster, and fatal-rate outliers from real NHTSA crash data.
pc-engine ingests the NHTSA FARS public crash register, indexes by VIN, lat/lon, and make/model/year cohort, and runs three deterministic checks per engagement. Same kernel that ships every other JIL vertical: customer-profile gated on lob = 'pc_insurance_carrier', sealed CREB on every finding, FRE 902(14) self-authentication.
What pc-engine fires on.
pc_vin_repeat
Same VIN appearing in 2+ distinct crash records. Cross-state span and presence of fatalities escalate severity. Leading indicator of staged-accident rings, VIN cloning, salvage-title fraud. Regulatory basis: NAIC Anti-Fraud Plan model, NHTSA defects investigation, TREAD Act 49 USC 30166.
pc_geo_cluster
Crashes clustered within a configurable radius (default 500m) above a configurable threshold (default 5+ crashes). Material indicator of staged-accident rings operating from a single location. Regulatory basis: NAIC Anti-Fraud Plan model, NAIC P&C Annual Statement.
pc_fatal_rate_outlier
Make/model/year cohort with fatal-crash rate at least 2.0x the peer mean for the same body-style and model-year cohort. Precursor signal NHTSA uses to open defects investigations. Regulatory basis: TREAD Act 49 USC 30166, SAE J2980.
What the carrier takes to NAIC or NHTSA.
Deterministic, replayable, court-defensible.
Same kernel as the other 7 verticals. The VIN-repeat check is a SQL aggregate; geo-cluster bins crashes into a regular grid sized to the configured radius; fatal-rate outlier joins each cohort against the peer-mean for body-style + model-year. No stochastic LLM in the verdict path. Ava (the in-house agentic AI) groups, narrates, and routes findings; it never produces the underlying flag.