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A Guide to Insurance Fraud Surveillance

The good people suffer by being given higher premiums in order to compensate for the losses incurred for many fraudulent claims due to false or exaggerated personal injury fraud claims. 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. 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. If a claimant is discovered to be genuine, then insurance companies must look after their welfare.

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. 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.

When conducting surveillance operation, 2 investigators should be utilized particularly when conducting 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.

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.

Through surveillance, interviews, and various other investigator techniques, an investigator can determine if injuries and property loss are valid or fraudulent.

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.

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