They will take a look at how often you file claims and the nature of the claims. Every insurance company has one - or at least every legit one does. A fraud insurance investigation by a professional investigator can uncover schemes and save you the hassle and costs of a court case. People are often misguided by movies and television shows they watch depicting private detectives as mysterious, gun toting spies that … Insurance investigators will also look for patterns to see whether or not specific people have more probability than others to commit fraud. An insurance company, for example, does not want to pay out on a fraudulent claim, and in the event a claim is false, it wants evidence it can use in court to sue the claimant for damages. Essentially, these individuals work to prevent fraudulent claims from being paid out by their employer. Frequently Asked Questions: Car Insurance Claims Investigation Do insurance companies investigate car fires? Most states require the insurance company to have an SIU by law. If you have been accused of insurance fraud, a qualified insurance investigator can help clear your name by gathering evidence … Insurance Claims Investigator Job Description, Key Duties and Responsibilities This post provides complete information about the job description of an insurance claims investigator, to help you learn about what they do. They will want to determine the cause of the fire and whether or not it is covered under your policy. This may involve reviewing any photographs of the injury or accident, reviewing receipts for property purchases, reviewing repair bills, cross-referencing police report statements with other statements and reviewing other documentation related to the case. An insurance fraud investigator is an individual who works for an insurance company in order to determine if a claim is made under false pretenses. This is especially true of disability claims, where individuals may say their movement or quality of life is limited because of chronic pain. As an insurance claims investigator, you gather information from the insurance adjuster, law enforcement, witnesses, and the claimant. It's the Special Investigations Unit. You also make investigative inquiries to determine if … If you have been injured and are contacted by an insurance claims investigator, make sure to speak with an attorney before … Yes. An insurance investigator will go through your past claims to look for any red flags. A: An insurance investigator works for an insurance company looking into insurance claims, usually when the claim may be fraudulent. If there is a claim for a car fire, the insurance company will investigate it just like any other claim. It can also help keep your insurance costs down. A private investigator may conduct research into an insurance claim. On a daily basis, Insurance Adjusters and Investigators examine claims forms and other records to determine insurance coverage. Special Investigators (our "official title") are basically private detectives employed by the insurance company. Insurance … They review police reports, medical treatment records, medical bills, or physical property damage to determine the extent of liability.. A typical day for an Insurance Adjuster, Examiner and Investigator … Insurance Claims Investigators ensure a client’s claim on an accident situation is without fraud. In the end, insurance claims investigators are vital members of an insurance company. A: As an insurance fraud investigator, your job is to investigate an insurance claim on behalf of your firm to determine whether or not fraud has occurred in any given case. In this role, you may examine the damaged property, coordinate with law enforcement, interview the claimant, and gather information about any casualty that's occurred. 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