For years, insurance fraud becomes prevalent, and it can be done in so many ways. For instance, an employee may fake his injuries by harming himself or herself and create exaggerated scenes to make it look like this injury hampers his or her ability to continue to work. It happens so that they can benefit from their insurance and receive other benefits stipulated by labor laws while blaming their employers.
Another one is when a business owner schemes to purposely burn a portion of their building to claim for fire insurance and use that money for other transactions. These also apply to deceptive claims of robbery, hijacking, burglary or destruction of movable properties such as cars and delivery vehicles. In this case, it is usually the government agencies who ask for our intervention to verify claims and collect pieces of evidence from debunking such claims.
What can we do?
-Surveillance
We can do monitoring to the suspected person who filed a doubtful insurance claim. It involves collecting evidence that his or her claims are truthful or fictitious. We send our staff to take photographs of the current state of that person, or we cross-check the validity of the doctors who might have colluded with the employee to declare injury and pervasive health damage. Surveillance can also by reviewing the suspected person’s recent expenditures that may indicate his or her intention of claiming for insurance. After a few days, some may use their insurance to purchase a car. Others use it to pay the down payment of his or her house. While some claim it to escape the country to evade from their accountabilities. Also, cross-referencing police report statements with other statements and reviewing other documentation related to the case can be done upon surveillance.
-Background Check
Committing insurance fraud can be intentional, but it can also stem from spiteful circumstances that push the suspected person to do it. With the help of our private investigators, we can run a background check on the claimant to know whether he or she has a history of filing false claims and whether he or she has criminal charges relating to his fraudulent activities. Also, we can help you verify whether they are on the verge of divorce, or they have a financial setback that affects the foreclosure of their properties and other valuable possessions. On the other hand, for establishments that file doubtful insurance claims, we conduct a background check to know if they are on the brink of bankruptcy, or they have been associated with loan sharks.
Another way that private investigators assist in a case is by running a background check on the claimant. It helps identify whether the person making the insurance claim has a history of filing claims and whether he or she has record of crimes such as fraud. In addition, a private investigator may be able to conduct a background check on a person to expose personal or financial matters about the claimant. They may find out if the claimant is on the brink of a divorce, has piled up liabilities, has his or her home in foreclosure or other factors that may influence him or her to try to commit insurance fraud.
With our service, a private investigator can explain comprehensively how he or she can assist you in your insurance case. From the narrative you provide, they can help you determine whether a claim is valid or not. Moreover, they can aid you in using the various tools to prove or disprove a claim.
