Carrying Out An Insurance Fraud Investigation

26 Nov

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Insurance fraud investigation teams are highly educated expert folks who are educated exclusively to detect insurance fraud. They have years of encounter in dealing with numerous varieties of different investigations from industrial fraud through to private cases of fraud. That is why far more and much more insurance businesses are now employing the services of their personal in house insurance fraud investigators to assist them with the increasing number of claims.

However more than the years fraudulent insurance claims have been on the up and up, no matter whether it is claims on property or contents insurance where claimants try to claim more than they are entitled to after a robbery or fire for example. It could be from a motor insurance claim where individuals in fact stage accidents to benefit from the insurance claim. Insurance fraud investigation teams will check every claim no matter how tiny that specific claim maybe. A latest report advised that one particular in ten men and women have in fact submitted a fraudulent insurance claim!

So how do these companies go about acquiring the evidence that they need to prosecute folks. To commence with a fraud investigator will completely examine via any insurance claim. They will then determine if it is a genuine claim or not. If they decide that it is not a genuine claim they will more than most likely proceed with some type of covert surveillance operation.

Covert surveillance solutions will include mobile surveillance, static surveillance and covert electronic surveillance. Covert surveillance teams use unmarked cars and vans and in some circumstances even motorcycles are utilised in insurance fraud investigation claims. Cameras and movies are utilised to obtain the best feasible final results in case any evidence is required for any legal matters that could arise such as court instances. Static surveillance can be done from a constructing or an unmarked vehicle with the same gear being employed to acquire the relevant photographs and evidence. Any details that is collected during any surveillance operation will be documented and presented by way of a DVD, which can be utilised at a later date if necessary.

In the case of covert electronic surveillance issues are accomplished a small in a different way. Discreet cameras can be installed to record people’s comings and goings no matter whether it is at a spot of operate or a residential address. The cameras that are utilised for the duration of these situations are time and date sensitive which is of wonderful use to any insurance fraud investigation team. The fraud investigators that are assigned to a situation will have the use of only the really greatest state of the art surveillance equipment, which will enable them to attain only the extremely finest outcomes.

With the advent of the web and mobile technology laptop fraud is also on the enhance as properly. There are even computer fraud investigation teams that specialise in personal computer forensics. Identity theft, laptop hacking and net misuse are just a handful of of the places that are covered by these specialist teams. Laptops, personal computers, mobile phones, USB sticks, sim cards, floppy disks and challenging drives have all been employed in the past to prosecute men and women who have attempted to defraud their insurance companies.

The teams are doing their bit to fight back against the people who submit fraudulent insurance claims, and day by day they are making inroads into the rising number of claims and obtaining the folks who are submitting them and prosecuting them accordingly.

8 Responses to “Carrying Out An Insurance Fraud Investigation”

  1. Evelyne January 11, 2013 at 5:58 am #

    i offered tickets 8months ago by recorded delivery, that the person never received and that i needed to provide him reimbursement. I filled the royal mail form several weeks ago however i never writen lower his title.

    I published this formerly however the solutions i am getting aren’t the questions ive requested.

    To begin with it is not suspicious. Stupidly irrrve never written his title lower at that time, i haven’t got paypal any longer and ebay only goes dating back to two months. I have sent instructions towards the address i sent these to, explaining i haven’t got his full title any longer however i had a answer the person has moved, that’s why i understand who lives there now, and they have stated if it is only a formality will be able to use there title.

    I additionally am getting solutions saying if i am not in touch with him how do you know he never received them.

    Well i had been in touch with him per month once i sent them, so ultimately i needed to provide him reimbursement. And so i know he never received them inside the 15 days royal mail permit these to be received.

    I had been relocating at that time and so i never got round to sorting it in those days, I have finally found the shape so that as ive stated there are just his address not his title onto it.

    So my questions again, if someone could please answer, particularly if the title is recored using the ttracking number are?

    I understand there persons title living there now, could i simply put that in? Does royal mail register the title towards the monitoring number once they got sent, or perhaps is it simply the mail carrier that compares the title i written if this involves posting them?? Someone stated i possibly could void the claim having a composed title but exactly how are they going to know and plus I have got you win so must i just send the shape off anyway if that’s the situation?

    Are they going to really bother doing an analysis when the monitoring number still states being processed, as that will mean its definatly been stolen or lost if it is still sayiny that whenever 8 several weeks.

    It simply appears a waste since i needed to provide a refund a lot more than what royal mail can give so im up front in either case, and ive finally found the receipt, and so i have all the feaures however the bloody title 🙁


  2. Arthur January 20, 2013 at 1:30 pm #

    I was searching lately with my daughter and left my phone around the chair by her to consider a phone call on her behalf phone. However, she walked off and left my phone & by time I returned it had been gone. However two youthful women within the.altering room explained they’d just handed it to the till. Anyway to chop a lengthy story short, one employee all of a sudden needed the bathroom . (for 20mins!) , and that i was told she was the one that it had been handed too. The manager agreed to check out closed-circuit television as she stored altering her story but although he was doing the work part of the general public handed it in saying he thought it was on the ground near front of shop. The manager just known as me to state after viewing closed-circuit television they’re starting a complete analysis as well as their mind of fraud prevention & loss continues to be known as lower next wednesday. I requested when the employee was really involved & he stated yes however i cant comment further in the mo and can call once hes been in a few days.

    My real question is, as he calls back must i be searching to press charges or simply let it rest if he states they will dismiss the lady under consideration?

  3. Michel January 25, 2013 at 9:22 pm #

    rent an P.O. box inside a false title from an urban area you do not reside in and visit the classifieds newspaper and operate a ad saying like ex. “send $3 to learn to save insurance money” “send Five Dollars to obtain free sex” theres people stupid enough to transmit money to some P.O. box expecting something

  4. Danial April 24, 2013 at 4:50 am #

    actually i was caught by police while driving car without insurance in end of april .officer fined me £200 and told to produce my provisional and counter part in police i produced on 4th may,paid penalty as well.after 8 Weeks i had,nt got my provisional back so i called up in london penalty office who putt the points.they said they have received my penalty fee £200 but still hv,nt got provisional.when i told to my instructor he said leave it don’t go to police STATION to ask whr is Provisional just ordered new one pretend to lost it.they will send new i decided to wait for 2 more weeks,but i could,nt get it back now 5 days ago went online and order new today i have got my Provisional licence and counter part.counter part is blank nothing is printed or written on it,NOW PLEASE TELL ME ARE THERE POINTS OR I HAVE ESCAPED FROM POINTS.


  5. Jamie April 24, 2013 at 4:50 am #

    My husband is thinking about taking a job in this field. He is currently a detective and the stress of his current job is very high. I’m just not sure if all of the traveling (involving going to a major metro area) will be just as stressful as his current job. What about the career ladder?

  6. Nettie June 6, 2013 at 7:26 am #

    personally i love this guy, hes totally switched my finanicial life around!, just wondering what everyone elses thoughts were on him, great guy or not?

  7. Trenton July 4, 2013 at 4:05 pm #

    i sold some tickets a while ago but the person never received them within the 15 days time limit royal mail give for them to arrive. I’ve come to fill the claim form and ive got the persons full address but not his name, and he’s since moved and theres noway for me to retrieve his name as i don’t have paypal anymore.

    I understand the name can be important for their investigation of finding the tickets eg. redirected post, but would they still do all that if the tracking number still says its being processed? It obviously never got delivered anyway reguardless of the name.

    I know there persons name that live there now, could i just put that in? Does royal mail register the name to the tracking number when they got sent, or is it just the postman that looks at the name i written when it comes to posting them?? Someone said i could void the claim with a made up name but how would they know and plus I’ve got nothing to lose so should i just send the form off anyway if that is the case?

    Thank you, any knowledge is appriciated
    no i never said its been 2 weeks. i said i was in contact with the buyer 15 days after i sent them and he still hadn’t receieved them. Its been months they was actually sent and ebay only goes as far back as 60 days
    no i never said its been 2 weeks. i said i was in contact with the buyer 15 days after i sent them and he still hadn’t receieved them. Its been months they was actually sent and ebay only goes as far back as 60 days

  8. Krysta September 12, 2013 at 4:22 am #

    I have a question about the renter’s claim/investigation process. I’ve never made a renter’s claim before; any advice is appreciated.

    About 2 months ago, my house was robbed while I was at work. We’d just moved in September, & I was having trouble with my cable install – had a tech here for the 4th time. I live half a block from my office & came home from work to let the tech in around 2 pm. I asked him to call me when the job was done so I could come back home & let my dogs out; had them penned up so they wouldn’t run away when he was going in & out. He never called, but I know some jobs can take a long time, & I thought he was still there working. I came home around 8 pm to find the front door of my house standing wide open & quite a bit of my stuff (mostly electronics) removed from my house. When I talked to the cable co., they were able to determine that the tech left the house around 3:15.

    A couple days later, I filed a police report. I didn’t do it right away because it wasn’t an emergency, I honestly didn’t expect them to do anything, & I wanted to be sure of what was missing before I made the report. Due to a hectic work schedule with a lot of overtime, & also because I was a little late on paying my policy premium, I didn’t file the claim with my insurance company for another week or so. Of course, I did also speak to the cable co. about this incident, but presently I’m not getting anywhere with them. Don’t know if it was the tech or someone else that burglarized me, but in my mind they bear at least some responsibility – this happened because my door was left open.

    Most of what was removed was electronics – we’d just moved, we didn’t have any furniture yet, a lot of stuff was in boxes, & there wasn’t much else in the house. I had 2 laptops with custom specs that were over $3k each (one about two years older than the other); one had Adobe software that was over $2k; my DSLR camera body & kit that was around $2k; had a lens in the kit (refurb) that was about another $2k (I had planned on taking classes to learn how to use this stuff). Also removed was my gaming system, controllers, games, CD & DVD collections (they were in binders – about 300 of each), iPod, dock/speakers, Blu-ray player, Kindle… you get the picture. They removed some jewelry too — nothing outrageous, I only wear silver, no gems really; but I did have a couple pieces that were in the $300-$500 range. All told for the jewelry, about $3k.

    Anyway, the total loss turned out to be around $30k which is well within my $45k policy; however, my adjuster reminded me that it is significantly reduced because my coverage for computers/software is a max of $3k; jewelry, $500; & cameras, $500 (per incident, not per item). The total claim amount was a lot more than I expected & is, I imagine, more than a typical burglary claim. I did have & submitted documentation (PayPal receipts/purchase histories/photos etc.) for almost everything. Adjuster suggested I write off what’s not covered on my taxes. He also said that a “special investigator” would probably want to speak to me & to the cable co. I understand there are limits to the policy – I’m not challenging those – I initially got the policy to satisfy my lease requirements with the intention of increasing some of the coverage but didn’t get around to it before the burglary (my bad, lesson learned). I’m sure the volume of the loss, coupled with the fact that I haven’t had the policy very long, is probably raising some eyebrows.

    My question is, first of all, what does special investigator do, & what should I expect? From what I’ve been reading on the internet, it makes me more than a little nervous. Frankly, I don’t know if I can handle what a “special investigation” might entail – I’m a single parent going through a divorce/custody battle, I’m in a new position in a very stressful job, & still adjusting to living in a new city. If this is going to involve giving depositions, going to court, or having an investigator scrutinize me until I make a mistake or give an unsatisfactory answer to some small question so that they can charge me with insurance fraud, I’d rather just forget the whole thing. Do they only do this when they suspect fraud or when the claim isn’t typical, or is this routine & nothing for me to worry about?

    I asked my adjuster if, when he does my estimate, he could detail what’s not covered by my policy so that I might get an attorney & try to hold the cable company responsible for what my policy isn’t covering. But now it occurs to me that if I’m going to go that route, maybe the right thing to do is, if it’s not too late, to withdraw my claim or put a hold on it & see what, if anything, I can hold the cable company responsible for & THEN see if my own insurance company will cover what’s left (& possibly pay out less), rather

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