Private Investigators in Insurance Claims
To see if claimants submitted fraudulent claims or if their story is credible. For example, if you claim a serious back injury, the insurer may be skeptical about the claim’s legitimacy. While it may seem unethical and sneaky, it’s not illegal for insurers to hire someone to follow you.
Some insurers have in-house teams, others use outside private investigators. What insurance to buy at 60? Policies covering “real” costs to replace belongings, property, vehicles. Investigators examine suspicious claims, with differing specialties and backgrounds.
How do private investigators help insurance cases? By scrutinizing documents. Techniques include surveillance, interviews, background checks.
Why Insurance Companies Hire Private Investigators
To determine if claimants submitted fraudulent claims. Insurers legally hire someone to follow you. You likely won’t realize you’re talking to them. The goal is collecting evidence on whether the claim is honest or fraudulent.
Some insurers have in-house teams, others use outside private investigators. What insurance to buy at 60? Policies covering “real” costs to replace belongings, property, vehicles.
How do private investigators help insurance cases? By verifying documents. Techniques include surveillance, interviews, background checks.
Triggers and Process of Insurance Investigations
What triggers an investigation? A claim filed by a policyholder. Depending on the policy and claim, the provider may investigate to determine the cause, coverage, and liabilities. Home insurance providers investigate potential fraud or disputes over property loss values.
Investigations establish policy details like dates, limits, and insured assets. They uncover accident responsibilities and prepare reports. This evidence lets insurers judge claim legitimacy.
The process begins when policyholders contact the insurer to report the claim. The company assigns an adjuster who asks for information. Then they determine if coverage applies, first for direct policyholders, then for third-parties.