Lessons Learned from Years with Investigators

Insurance Fraud Investigators

The reason for the increase in premiums Is primarily due to false or exaggerated personal injury fraud claims covering home, motor, and business accident policies. While some people really get hurt in a car accident, the thing that makes them fraudulent is that they exaggerate their injuries and they are dishonest when it comes to the amount of time it took for them to recover. It is true that if you suffer injury from a car accident you will compensated for damages but it becomes insurance fraud, if you want to get more compensation, and you exaggerate your injury or you lie about the number of days it took you to recover from the injury. As an investigator and surveillance specialist, it is very important that these claims should be validated. Any insurance claims that people make should now be validated by an investigator or surveillance. Today, insurance companies hire their own in-house investigators and surveillance teams to investigate every person that claims insurance on injuries. Insurance fraud affects all and cheats have to be found out since we pay more because of them. Everyone is affected by insurance fraud, and the good clients have to pay more because of them so these people who claim insurance fraudulently should be found out and punished. The insurance companies should look after the welfare of claimants that are genuine.

What surveillance specialists or fraud investigators do is to conduct observations on claimants, give a true account of the claimant’s daily activities which are reports and everything has to be with any advantage or disadvantage to both claimant and the company. Before, a private investigator would entrap the subject but the industry has changed and most of these private investigators have been weeded out of the industry. In years past fraud investigators did entrapment work which was changed to what it is now. During an investigation you should not create any circumstance which may encourage or enforce any person subject of an enquiry to engage in activity which may be harmful to their interests and at all times you should perform your duties in a lawful and ethical manner. An investigator should not make unnecessary circumstances that will make the subject of iniquity engage In an activity which is harmful to their interest, and the private investigator has to always perform his duties in a lawful and ethical manner.

It is required that two investigators go together when conducting surveillance operations especially when it is mobile surveillance. There are no guarantees on surveillance no matter how many well trained investigators are deployed but the risk is gradually reduced when the required private investigators are used on operations. When they are conducting operations to assess the capabilities of the subject, it is important that these are carried out in a discrete manner and by recognizing the relevant legislation.

Preventing fraudulent criminals from abusing the system is something that most insurance fraud victims cannot be solved. With the help of private investigators, many fraudulent claimants’ have been caught and brought to the right authorities.

Private investigators today do many investigations techniques like surveillance, interviews, and others so ha they can determine if the injury claims and property loss are valid or fraudulent.

In order to prove that insurance fraud has occurred, investigators provide videos, pictures, and detailed reports to authorities. Not only will the client save money by not paying fraudulent claims, but also scam artists are prevented from receiving undeserved monetary reward for their fraudulent insurance claims.

Some other examples of fraudulent insurance claims include workers compensation fraud, staged accidents, arson, and false or exaggerated theft reports. When a worker has submitted multiple claims, when there are no witness to the accident, when there is delay in seeking medical help, when the person tells a different story every time, where he alters his medical reports, if he is a disgruntled employee or new hire with a questionable work history, then you are In for a possible investigation for insurance fraud.

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