Because of false or exaggerated personal injury fraud claims covering home, motor, and business accident policies, premiums have increased. 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. 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. At the same time genuine claimants should be looked after.
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. The industry has changed how fraud investigators conduct their surveillance; since then the private investigator was allowed to entrap the subject but this is not longer practiced. 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. 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.
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.
There is a way for private investigators to determine if injury claims and property loss are valid or fraudulent and this is done through surveillance, interview,and various other investigation technique.
An investigator can provide videos, pictures, and detailed reports to authorities proving that insurance fraud has occurred. 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.
Workers compensation fraud, staged accidents, arson, and false or exaggerated theft reports are the most common fraudulent insurance claims that they collect from their insurance companies. In workers comp insurance there are a lot of ways that fraud can be committed including submission of multiple claims in the past, an injury with no witnesses, medical treatment was delayed, different stories on how the accident occurred, medical reports were altered, disgruntled employee or anew hire with questionable work history.