Accident and Fraud Investigation Service

Cost of Insurance Fraud

Fraudulent insurance claims total £1.9 billion a year and adds an average of £44 to the annual cost paid by policyholders.

Extra charges that insurers believe that people should not have to pay for and as a result they are making the investigation of fraud a priority.

Here are a couple of examples of the type of insurance scams that are making the headlines.

Crash for Cash Car Accidents

There was a high profile case in Manchester, England involving a crash for cash insurance fraud.

The offender would be paid a fee by a car owner to knowingly cause his vehicle to be involved in an accident, with the premise that they could claim the third party’s insurance company for compensation, court costs and courtesy cars.

It is important to know that if you start a fraud investigation against someone who claims that they were involved in an accident, you must have a quality plan and photographic evidence of the accident as these will needed to be produced in court.

For this what you will need to do is pass on the location of the accident with a map and a brief account of the circumstances and you will receive in return a report and photographs which clearly show the scene and a sketch plan giving the measurements of roads plus in addition to this statements from witnesses and police.

When it comes to acquiring witness statements it is essential that you get the full details so that the solicitor has access to the best evidence available.

Payment Protection Insurance Fraud

This is committed by people taking PPI to cover loans, credit cards and other monetary agreements.

Basically anything that they can take out a large sum of money on and then use the insurance to pay it back.

The main ways of claiming on insurance policies are feigned illness and claimed unemployment.

As has been reported in the past, someone has claimed to have suffered an injury that keeps them from earning a wage only to have a fraud investigation team film them doing somersaults on the trampoline in the garden.

These allegations can be investigated to help determine the truth by hiring fraud investigation operatives to collect and collate evidence in the form of video, photos and detailed written reports.

Surveillance should preferably be carried out by a male and female team members , who will physically follow an individual from a designated location and then take video and still images without the subject being aware. Alternatively, they could put in place day and night CCTV Covert cameras at appropriate locations.

We supply a service to insurance companies in connection with insurance claims and Road Traffic Accident claims, covering the entire United Kingdom.We will also examine and report on accidents, claims, etc.Our fees are flexible and can be either on an hourly basis or a fixed fee that can be set to claim value in certain circumstances.