Along with the development, diversification and amplification of the insurance market in Romania we have witnessed a very varied phenomenon of fraud.
As a tool in the process of investigation, the private investigator can demonstrate the legitimacy or the opposite, any attempt to defraud the compensation process.
Our services in insurance fraud investigation covers the following situations:
– investigating fraud in applying for insurance (false insurance claims) – the customer provides false information in order to obtain an insurance policy with a smaller price or to get ransom by false claims;
– premiums collected by insurance broker and use of money for purposes other than payment of the insurance policy;
– insurance broker submits false insurance policies to get commission from the insurance company;
– insurance broker submits false documentation regarding insurances in order to keep the money collected from customers;
– employee insurance company provides a false figure on the insurance premium value to the client keeping the excess of money, thus affecting also the company image;
– we also investigate the existence of physical damage (handicaps, rot and health) in order to prove that they are legitimate or fake.
The false insurance claims in insurance policies are a problem that insurance companies face more often. In this respect, private investigators are conducting investigations and checks in order to obtain evidence in the suspicious cases of false claims in insurance.
Although is clear most of the times that false claims are fraud attempts, some of these cases are difficult to prove, because irrefutable evidence are needed in order to refuse payment. Also, the detectives are focusing on finding witnesses to the event and take statement from them regarding the actual facts.
Casuistry is varied:
– investigations of false insurance claims in auto insurance (accidents, repairing, corporal damages and injuries). The clients often enacts road accidents in order to obtain undeserved compensation;
– investigations of false insurance claims in life insurance (decease, injuries, etc);
– investigations of false insurance claims in health insurance – false documentation in order to obtain undeserved compensation package;
– investigations of false insurance claims in household insurance – enacting of incidents in order to obtain compensation (floods, fires, burglaries, etc);
– investigations of false insurance claims in travel insurance – false documentation in order to obtain undeserved compensation.
In such investigations evidence are obtained by various means such as:
Reports on investigations carried out by that time;
– Hearings of claimants, witnesses, other parties involved in the accident;
– Trap evidence over the claimants in order to discover their attempt of fraud the insurance company;
– Background check on the claimants;
– Operative surveillance (stakeout).
