An insurance investigator checks for matters relating to suspicious or undoubted insurance claims for a reason. Researchers in this field have different specializations and backgrounds. Some insurance companies have their own internal investigation team while other companies are contracting the work to private investigators or private investigators. Although such investigations are usually done to eradicate fraud, very often researchers will work only to establish the state of a particular claim (for example, in multi-vehicle road accidents involving various parties, claims and insurance companies).
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Insurance fraud
Insurance companies' fraudulent methods are manifold, as are ways of investigating them. As a crime, however, evidence suggests that insurance fraud in rich countries is increasing, with many governments running public awareness campaigns to prevent potential fraudsters and appeal to the public to report suspicious claims.
One of the most common forms of insurance fraud is exaggeration of injuries. Since many injuries can be very difficult to measure (for example, psychological injuries or physical injuries such as whiplashes), investigators will often try to establish that what the claimant claims is true (for example, if a claimant claims he can not work) and that there is no clear difference in the symptoms that are claimed (very often checked together with medical staff). Supervision is often used in such situations to verify claims.
Another form of lesser-known fraud is a claim on an insurance policy for injuries suffered before the policy came into effect. For example, in an accident on the road, one can claim a debilitating back injury. However, at the time of investigation, he realized that the injury had been suffered in an incident several months or even several years earlier. Very often insurance companies and researchers will study medical and historical reports to eliminate this possibility, as well as look for evidence of previous claims or accidents.
There are also many forms of fraud involving property, for example when someone with a valuable asset (property, for example) intentionally destroys it, often through arson, with a view to claiming a return value through insurance. Another form of insurance is a collection of high value art and then stolen - claiming money for himself and keep the artwork in the process.
Source of the article : Wikipedia
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