Due to the dramatic rise in insurance fraud cases private investigators are acquiring more work from adjusters, claim examiners, and legal field professionals than ever before. Private investigators work rigorous and elongated hours to examine an insurance fraud case from all angles. Whether the fraud involves accident insurance, workman’s comp insurance, or life insurance a private investigator has the experience and skills to solve the case.
Different types of Insurance Fraud:
Accident Insurance Fraud Investigations
Accident insurance fraud occurs when an individual stages a collision or exaggerates their injuries after a real crash takes place. Often an insurance claim adjuster may become involved to give the fraud the appearance of credibility. To prove fraud, a special type of private detective, sometimes referred to as an accident scams investigator, can step into the investigation to analyze the accident scene and mechanics of how it was staged. He or she may attempt to interview witnesses, acquaintances and claim adjusters to construct a case that proves fraud.
Workman’s Comp Insurance Fraud
Workman’s Comp Insurance fraud occurs when an employee exaggerates workplace injury to collect disability benefits. This is often referred to as soft fraud because it involves an individual taking advantage of the accident afterwards. The use of surveillance is the best way to determine the validity of this category of claim. Oftentimes, the private investigator will catch the culprit doing strenuous activates that suggest the injuries are misrepresented. After acquiring the facts fraud can be proven.
Life Insurance Fraud
Life insurance fraud occurs when an individual fakes his or her death to collect life insurance. These frauds are very rare and necessitate a specialized investigation. To begin the investigation, the private detective would first look at when and who purchased the life insurance policy. They will investigate the supposed death by questioning family and acquaintances of the deceased. Furthermore, they may use surveillance tactics on the deceased’s family and look for medical evidence supporting the death. If the life insurance policy is honored, they may follow the money to see where it is being spent. This extensive yet vital process could lead to the alleged victim.
When insurance fraud is committed, a good private investigator will know how to acquire the facts. Through surveillance, investigation, and skill they will help identify and prosecute the deceptive party.