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. Insurance fraud affects all and cheats have to be found out since we pay more because of them. Everyone is affected by insurance fraud, and the good clients have to pay more because of them so these people who claim insurance fraudulently should be found out and punished. The insurance companies should look after the welfare of claimants that are genuine.
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.
When conducting surveillance operation, 2 investigators should be utilized particularly when conducting mobile surveillance. Even though your private investigators are well trained, there are no guarantees that they will be able to identify the fraudulent person but the risk is gradually getting reduced when using private investigators. 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.
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.
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.
Some other examples of fraudulent insurance claims include workers compensation fraud, staged accidents, arson, and false or exaggerated theft reports. In workers’ comp fraud multiple claims can be submitted in the past, no witness to the injury, delay in receiving medical treatment, provides different accounts on how the injury occurred, altered medical reports, disgruntled employee, or a new hire with questionable work history.