WHY COMPANIES USE PRIVATE INVESTIGATORS FOR EMPLOYEE INSURANCE FRAUD CLAIMS
An employee may sustain an injury on a job. Accidents resulting from work are acceptable claims. Workers who suffered from injuries like sprains, fractures or lost a finger to a cutting machine are entitled to compensations. Usually, these requests are accepted if the mishap occurred in the presence of other employees or the supervisors. Often, workers fake personal injury or accidents to make false claims. A private investigator can probe suspicious injuries to determine whether the concerned employees are making fraudulent claims.
The findings of the investigation can prove any deceit by the employee. The investigator’s report and evidence are useful in accepting or rejecting the claim. The insurer can also assign a physician to examine the injury. Inflating a legitimate claim is the most common type of insurance fraud. Conversely, damaging a property intentionally such as crashing a car and similar cases are minimal. Employees are not the only perpetrators of insurance fraud; an insuring company can also be the offender. Besides deceitful request for benefits, insurers can also swindle injured employees. They may allege lost paperwork or falsely deny payouts.
Victims of insurance fraud can suffer from falsified claims, denied settlement, increased premiums and more. Any attempt to obtain compensation for inflated or falsified claims can raise the premium for others. However, private investigators can resolve such deceptions. These professionals are reliable and efficient in acquiring information that can implicate the wrongdoers. Hire a private investigator if you are a victim of insurance fraud. The expert can deliver accurate results that will enable you to collect the correct entitlement.
Investigation of insurance fraud is crucial to reduce high premiums caused by various deceptions. Private investigators who are experienced in interview and surveillance skills can solve the fraud through the following techniques.
- Background research: A check on an individual can reveal previous involvement in the scam. The criminal record of a claimant could indicate the tendency to deceive others. A search on the report of past accidents can disclose if they are on purpose. An organized group performs staged mishaps such as car crashes. The activities of such team can extend over a period. The financial history of an employee can indicate the propensity to inflate or falsify a claim. Besides, financial distress can lead to insurance fraud.
- Surveillance: This technique is important in determining any inconsistency in the lifestyle and activities of an employee with suspicious injuries. Private investigators use surveillance skills to acquire compelling evidence against fraudulent claimants. The investigative method requires caution to avoid charges of harassment. Professionals can monitor their subject secretly from a safe distance.
- Interviews: Professional and highly skilled Private investigators possess exceptional skills for interviewing the claimant and witnesses of a suspected insurance fraud. This technique can uncover the truth about a case. The claimant may even be a victim of an accounting fraud by a contractor or an insurance agent. A doctor may overbill an employee, or the person might have purchased a fake policy. The investigator can identify the real fraudster through the inconsistencies in the interviewee’s statements.
- Social Media: Uploads on social media can incriminate a person that claimed an injury. The pictures or recent videos that are not consistent with their claims are valuable in proving their offenses.
Private investigators can solve cases of withheld benefits and exaggerated or falsified claims. They can discreetly and efficiently acquire evidence to show that insurance fraud occurred.
Christopher M. Cavallo
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