Because of false or exaggerated personal injury fraud claims covering home, motor, and business accident policies, premiums have increased. In some cases, claimants would suffer a genuine accident that was not their fault, but then exaggerate their injuries or the time it has taken them to recover. 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. At the same time genuine claimants should be looked after.
Today insurance fraud investigators do surveillance work on people who are not trust as genuine claimants, and everything that they do daily are being reported to their client. 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.
When conducting surveillance operation, 2 investigators should be utilized particularly when conducting mobile surveillance. No matter how well trained the investigators are, there are no guarantees on surveillance but the risk is gradually reduced when the required private investigators are used on operations. when operations are conducted in order to assess the capabilities of the subject, it is important that they work discreetly and recognizing relevant legislation.
Many victims of insurance fraud believe there is nothing they can do to prevent criminals from m abusing the system. With the help of private investigators, many fraudulent claimants’ have been caught and brought to the right authorities.
Through surveillance, interviews, and various other investigator techniques, an investigator can determine if injuries 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. In workers’ comp fraud multiple claims can be submitted in the past, no witness to the injury, delay in receiving medical treatment, provides different accounts on how the injury occurred, altered medical reports, disgruntled employee, or a new hire with questionable work history.