Read on to learn more about why insurance companies hire private investigators, how they can help them investigate alleged personal injury or disability claims, and how to protect your claim from rejection.
Insurance companies frequently hire private investigators in order to verify claims and ensure their customers are not committing insurance fraud. This is most likely to occur when there is no visible evidence that supports a disability claimant’s assertion that they are disabled.
Remember, a personal injury lawyer deals with insurance companies every day and can provide you with valuable advice to ensure you don’t end up in a situation where a private investigator is working hard to discount your claim. Unfortunately, in most cases, insurance companies can hire private investigators to track down or “monitor” claimants after a car accident.
Why Insurance Companies Hire Private Investigators
To combat insurance fraud, many insurance companies hire private investigative agencies to monitor those who file a claim that may appear to be in conflict with their insurance claims account, a claim that may appear to be in conflict with their claims event insurance account.
Insurance companies will likely hire a private detective to help with insurance claims such as personal injury, workers’ compensation, disability insurance, or medical care and determine if a fraudulent claim has been filed. As with any other fraud investigation, insurance investigators can determine the facts behind a suspicious claim.
The investigator will look for physical activity that supports or refutes the insured person’s claim. Investigators will receive all information about the victim, such as name, date of birth, home address, job information, schools they attend, so that investigators can plan to follow up on the victim. The insurance company would then hire an investigator familiar with disability or injury video surveillance to monitor the day-to-day activities of claimants in order to catch claimants performing activities inconsistent with their sworn testimony.
Background Checks Are Useful for Detecting Insurance Fraud
Background checks may also check the financial details of the applicant for signs that may influence them to commit insurance fraud. When it’s true. Insurance adjusters suspect that the claim may be fraudulent, so it’s time to call an insurance investigator.
Insurance fraud works because more often than not, the company does not actually know the applicant and fraudulent documents may be presented. While fraud does occur, critics argue that insurers use surveillance to try to find any excuse to deny or discount legitimate claims in the interest of protecting their own profits.
However, due to the desire to save money in today’s economy, disability insurers are increasingly using investigations not to expose fraud, but to produce it. In response to high demand from insurers for surveillance “evidence” to be used against plaintiffs, a cottage industry of disability investigation firms has sprung up across the country.
Insurance companies have been known to seek out claimants on Facebook, Instagram and other social media. With the widespread and frequent use of social media and the internet, insurers may not need to hire an investigator to find out more about you.
Investigators Must Operate within Legal Frameworks
Although they have the right to use such surveillance tactics, investigators cannot go to great lengths to gather incriminating evidence against you, making it necessary to know your privacy rights. Surveillance is carried out in the hope of obtaining some compromising evidence that can be used against you.
Surveillance is most effective when it is used to question a person’s credibility in relation to their injuries. Investigators will use a variety of methods to collect potential evidence, including video and audio surveillance, photographs, and personal observations.
If a defense attorney doesn’t disclose this information early enough, he may not be able to use evidence from injury observations. Private fire investigators are almost always used to determine the cause and origin of fires.
Examples of Private Investigator Work
The worker group investigator is doing his job and trying to intimidate them, just giving them more evidence to try and disprove your claims. Investigators could follow the plaintiffs at any time of the day—in public places like shopping malls—recording their movements, including routine tasks like taking out the trash or picking up a baby—anything that would contradict statements made in the lawsuit. Hollingsworth says.
Private detectives in Ontario are usually hired by insurance companies when there are suspicions that plaintiffs are not telling the truth about injuries or medical conditions, Hollingsworth said. While many people are concerned about these steps taken by insurance companies, it’s worth noting that insurance companies don’t intend to dig dirt on you to not pay a claim, but rather to make sure they pay you. honestly, and will resort to the method of hiring a private investigator only when he deems it necessary.
Employers or insurance companies may try to avoid paying workers’ compensation by claiming that the injury occurred outside the workplace, or that the employee is ineligible for any reason (for example, if they were drunk at the time of the accident), or that the employee is exaggerating the severity of the accident.
When you call an insurance company to file a claim for a car accident, a workers’ compensation claim, your wife’s missing wedding ring, or even a disability insurance promoter, you can be sure that the insurance company is thoroughly investigating your claim, which means that they will start an investigation against you.
One traffic accident lawyer will inform you that the insurance company considers your fiancé’s request very valuable and that they are trying to find something to reduce the risk, or they have reason to believe that my fiancé is currently exaggerating your request. As a former property and casualty insurance appraiser in Texas, I can teach you an inside look at how to get a job as an investigator.