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. 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. At the same time genuine claimants should be looked after.
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.
Surveillance shoud be carried out by 2 investoigators particularly when doing 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 operations are conducted in order to assess the capabilities of the subject, it is important that they work discreetly and recognizing relevant legislation.
Preventing fraudulent criminals from abusing the system is something that most insurance fraud victims cannot be solved. But these private investigators can actually prove when people commit insurance fraud and they can report these abusers to the right authorities.
Private investigators today do many investigations techniques like surveillance, interviews, and others so ha they can determine if the injury claims 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 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.