The practice of insurance fraud is unfortunately a lot. Insurance fraud is also called insurance fraud and means that a person intentionally deceives the insurer. If an insurer suspects that there is fraud, a personal investigation may be instituted.
An investigation can also be carried out if the insurer does not have other means to confirm his suspicions. A factual investigation has not given a sufficient conclusion to make a good decision.
Whether the insurer doubts about the accuracy of the results of the factual investigation. Read more for more information on insurance fraud and conducting an insurance fraud investigation.
Examples of insurance fraud
There are various forms of insurance fraud. A fraudster can initially apply for insurance fraud. The fraudster can lie about his or her past and health.
The fraudster can also deliver counterfeit notes. Also in claiming damage, a lot of fraud is being committed. In most cases, however, people who are fraudulent are likely to get a chance.
For example, claim more damage than it actually occurred during a burglary or accident. It is also often done as if damage has been caused by a particular situation that is known to be covered. A good example of this is the smartphone that is supposedly ‘fallen’.
The personal investigation in insurance fraud
A personal insurance fraud investigation is intended to answer questions that may be important when confirming an insurance application, insurance contract, judgment on payment or suspected insurance fraud.
The investigation may violate the privacy of the person concerned. There are several research methods that can be used. The first method is to conduct an interview with the person concerned.
The person concerned can also be observed. Another way is to gather information from third parties. If the insurer passes on a personal investigation, the person concerned is informed about it or afterwards.
Execution of a personal survey
An insurer may only conduct a personal investigation if he adheres to the rules. A personal investigation may also take place only if the insurance refuses to cooperate in collecting relevant information.
Many insurance companies have a special department with fraud investigators. Insurance companies often leave these investigations to independent investigative or research agencies. The detective agencies detect fraud and provide evidence.