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. Anyone cheating on insurance have to be exposed and punished because they are the cause of why good clients have to pay higher insurance premiums. The insurance companies should look after the welfare of claimants that are genuine.
Fraud specialists do surveillance work in order to observe any claimant suspected of insurance fraud, and in this surveillance work, the claimant is being watched for his daily activities and this is reported but this work is not really giving any advantage of disadvantage to both claimant and 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.
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 operations are conducted when the purpose of assessing the capabilities of the subject, it is vital that these are carried out in a discreet manner and by taking cognizance of the relevant legislation.
People who are victims of insurance fraud think that it is difficult to prevent this from happening to the system. But these private investigators can actually prove when people commit insurance fraud and they can report these abusers 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.
Many fraudulent claimans come in the form of seeking workers compensation insurance, 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.