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Insurance Claim Fraud
Investigator Agency
An insurance fraud investigation is a type of fraud investigation that centers around attempts to benefit from deceitful claims. Seeking compensation for false or inflated claims is illegal, dangerous, and raises the price of insurance for everyone.
According to the Coalition Against Insurance Fraud, an estimated $80 billion is paid out annually in fraudulent insurance claims. This leads to the average household paying around $950 each year in higher premiums. In addition, being held liable in a staged accident can increase your risk of being sued
Types of Insurance Fraud Investigation:
Health Insurance:
This investigation determines whether someone is getting paid for health care they are not receiving or is filing health care claims that are not valid or needed. Investigators will search billing records to make sure that doctors and patients are not colluding to commit fraud.
Car Insurance:
Some criminals stage accidents in which they purposely collide with another car, then accuse the other driver of fault in order to file claims. Others attempt vehicle theft fraud, trying to get money for a car that is not stolen.
Home Insurance:
With home insurance fraud, investigators discover disaster fraud, including false damage claims. They will often determine if the claimant upgraded their coverage right before the claim was filed. Investigators will also verify the validity of property damage claims.
Life Insurance:
This type of investigation uncovers cases of people who claim too much life insurance or claim it while still alive. Investigators also verify the existence of those claiming life insurance.
Workers Compensation Insurance:
When workers claim compensation for an injury, a workers compensation investigation will confirm the severity of the injury and whether the accident occurred while the person was working.
Insurance Company Fraud:
Bad practices can also occur within the insurance companies themselves. If an insurance company takes money but does not sufficiently compensate, an investigator can aid with resulting court cases.
Infidelity
Infidelity is the breaking of a promise to remain faithful to a romantic partner, whether that promise was a part of marriage vows, a privately uttered agreement between lovers, or an unspoken assumption. As unthinkable as the notion of breaking such promises may be at the time they are made, infidelity is common, and when it happens, it raises thorny questions: Should you stay? Can trust be rebuilt? Or is there no choice but to pack up and move on? Most people are aware of the costs of cheating in a relationship, particularly in a marriage. Betrayal can lead to divorce and parental disruption, and infidelity is a predictor of depression, anxiety, and domestic violence. Yet many stray anyway, prompting the question: Why?
In surveys of individuals who have cheated, falling out of love, seeking variety, and feeling neglected were the most commonly cited reasons, followed by situational forces, a desire to raise self-esteem, and anger with a partner. The decision to remain in a relationship after infidelity is based on criteria including finances, family connections, and the shared parenting of young children.
Let us provide you with the details you need to make the right decision for you and your family.
Background Checks and Identity Verification
Background investigations and reference checks are employers' principal means of securing information about potential hires from sources other than the applicants themselves. A background investigation generally involves determining whether an applicant may be unqualified for a position due to a record of criminal conviction, motor vehicle violations, poor credit history, or misrepresentation regarding education or work history.
Internet and Dating websites are chock-a-block full of scams. People looking for romance are hoping to be swept off their feet, not caught up in a scam. According to the Federal Trade Commission, tens of thousands of reports in Consumer Sentinel show that a scam is what many people find. In 2018, Sentinel had more than 21,000 reports about romance scams, and people reported losing a total of $143 million – that’s more than any other consumer fraud type identified in Sentinel.1 These reports are rising steadily. In 2015, by comparison, people filed 8,500 Sentinel reports with dollar losses of $33 million.
Romance scammers lure people with phony online profiles, often lifting photos from the web to create attractive and convincing personas. They might make up names or assume the identities of real people. Reports indicate the scammers are active on dating apps, but also on social media sites that aren’t generally used for dating. For example, many people say the scam started with a Facebook message.
Once these fraudsters have people by the heartstrings, they say they need money, often for a medical emergency or some other misfortune. They often claim to be in the military and stationed abroad, which explains why they can’t meet in person. Pretending to need help with travel costs for a long-awaited visit is another common ruse.
Scammers can reap large rewards for time spent courting their targets. The median individual loss to a romance scam reported in 2018 was $2,600, about seven times higher than the median loss across all other fraud types.2 People often reported sending money repeatedly for one supposed crisis after another.
Let us protect you. We have detected dating scams involving up to $1,000,000 and prevented major losses to our clients. Protect your heart and your wallet.