The reason for the increase in premiums Is primarily due to false or exaggerated personal injury fraud claims covering home, motor, and business accident policies. 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. At the same time genuine claimants should be looked after.
Surveillance specialists or fraud investigators regularly conduct observations on claimants, a true account of the claimants day to day activities are reported and at no time should it be advantageous or disadvantageous to the client or the subject. 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 they are conducting operations to assess the capabilities of the subject, it is important that these are carried out in a discrete manner and by recognizing the relevant legislation.
People who are victims of insurance fraud think that it is difficult to prevent this from happening to the system. 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.
Many fraudulent claimans come in the form of seeking workers compensation insurance, staged accidents, arson, and false or exaggerated theft reports. 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.