Insurance and Accident Investigations: Verifying Claims and Exposing Fraud
Insurance fraud drives up premiums and damages trust between insurers and policyholders. Investigators help companies separate valid claims from fraudulent ones by verifying losses, confirming injuries, and exposing staged accidents. These inquiries protect the industry while ensuring that legitimate claimants are treated fairly.
Why insurers rely on investigators
Fraudulent claims cost insurers billions every year. Professional investigations reveal whether a claimant’s injuries match reported limitations, whether property losses were staged, or whether a workplace injury has been exaggerated. Surveillance and research expose inconsistencies between claims and actual behavior.
Key investigative methods
Surveillance: Observing claimants and documenting their daily activities to confirm or refute reported limitations.
Background and medical checks: Reviewing employment, prior injury claims, and medical histories for patterns of deception.
Accident scene analysis: Examining physical evidence, interviewing witnesses, and reconstructing events from official records.
Benefits of professional investigations
Investigators provide unbiased, documented evidence that supports or denies claims. This evidence helps insurers avoid unnecessary payouts, defend against litigation, and uphold fairness for genuine claimants. At Kingfisher, our insurance and accident investigations combine lawful surveillance, research, and detailed reporting to protect both company resources and client integrity.
