Insurance fraud is more costly than people think. This costs the insurance industry around $96 billion in 1999 and hasn’t decreased over the past years but has actually been on the rise.


Insurance fraud is the deception of an incident to the insurance agency. Our Investigators will perform surveillance on claim subjects to see if they are engaged in any activities that may prove their claim to be false. We provide thorough insurance fraud investigations and locate and interview witnesses and gather and record all statements and reports.


Don’t allow your clients to become the next victims of insurance fraud.  Let us help you!


What Kinds of Insurance Fraud are Investigated?

In general terms, an insurance investigator tries to determine whether someone has filed a false insurance claim. There are many types of insurance investigations, including:





Car insurance fraud investigation Some criminals stage accidents, in which they purposely collide with another car and then try to accuse the other driver of an accident in order to file claims. Some criminals attempt vehicle theft fraud, trying to get money for a car which was not, in fact, stolen. Insurance fraud investigators uncover these schemes. 




Home insurance fraud investigationIn this type of insurance investigation, investigators discover disaster fraud, which includes false claims of damage. Investigators will often try to find out if the claimant has upgraded their coverage before the caim was filed. They also investigate property fraud to find evidence against those who make false claims about property damage. 


Life insurance fraud investigationInvestigators work to uncover cases of people who claim life insurance while still alive or those who claim too much in life insurance. Investigators also verify the existence of an individual who has life insurance being collected on them. 




Workers compensation fraud investigation Insurance investigators work to find evidence of workers who claim compensation when not as injured as they claim. Investigators will verify the severity of the injury and whether the injury occurred while the person was working. 




Insurance company investigationInvestigators also work to uncover evidence of bad business practices at insurance companies. If an insurance company takes your money but does not compensate you as promised, a professional investigator can help you make your case in court.



Health insurance fraud investigationThis investigation tries to determine whether someone is getting paid for health care that they are not receiving or is filing health care claims and requests that are not valid or needed. Insurance claims investigators will search billing records and make sure that doctors and patients are not colluding to commit fraud Exaggeration of InjuriesBecause many injuries can be exceptionally difficult to quantify (for example, psychological injuries or physical injuries such as whiplash), investigators will often seek to establish that what the claimant claims is true (for example, if a claimant states he or she cannot work) and that there are no obvious discrepancies in the symptoms claimed (very often examined in conjunction with medical staff). Surveillance is often employed in such circumstances to verify the claim. 

Fraudulent insurance claims affect everyone as these false insurance claims cost the average household more each year in higher premiums. Plus, false insurance claims can mean that you are held liable in a staged accident and increase your risk of being sued. The high instance of insurance fraud has meant that insurance companies are far more cautious when paying claims, which may mean that you need professional help to make your claim. An insurance fraud investigation is performed to find out if false claims are being submitted. Insurance fraud investigations are usually conducted when an adjuster has doubts about the case that they are evaluating. Don't let your insurance premiums be a waste of money. Use a private investigator to safeguard your insurance privileges. If you yourself have been accused of insurance fraud, a qualified insurance investigator can help clear your name by gathering evidence of the injuries or damage of sustained. This can help ensure that your insurance company pays you on time and pays you the full amount to which were entitled


Insurance Fraud

Insurance fraud investigations

Insurance fraud is rarely reported. Here are some amazing statistics regarding insurance fraud investigations:


  • Ten percent of Americans would commit insurance fraud if they knew they could get away with it.
  • One out of four Americans says it’s ok to pad a claim to make up for premiums they’ve already paid.
  • Nearly one in four Americans say it’s okay to defraud insurers.

Offering Comprehensive Insurance Fraud Investigations

Insurance fraud cost businesses billions of dollars annually. HRP Agency provides in-depth insurance fraud investigation solutions to support insurance firms and employers address this crime. The investigation company’s team of certified insurance fraud investigators goes the extra mile to handle insurance fraud investigations. From gathering facts to interviewing suspects, they have the experience and expertise to deliver you positive results in a timely manner.

Methods of defrauding Insurance Companies are manifold

as are the means of investigating them. As a crime, however, evidence shows that insurance fraud in wealthy nations is increasing, with many governments running public awareness campaigns to deter potential fraudsters and appeal to the public to report any suspicious claims.


Another form of lesser known fraud is that of claiming on an insurance policy for injuries sustained before the policy came into effect.

For example, in a road accident, a person may claim to have sustained a debilitating back injury. On investigation, however, it transpires that the injury had been sustained in an incident some months or even years before. Very often insurance companies and investigators will study medical reports and history to eliminate this possibility, as well as searching for evidence of previous claims or accidents.


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