Insurance Fraud Investigations.

What is an Insurance Fraud Investigation?

An insurance fraud investigation is a type of thorough investigation that focuses on verifying if an insurance claim is legitimate or not. Seeking compensation for false or inflated insurance claims is illegal! It also raises the price of insurance premiums for everyone.

Many individuals faced with economic hardship or simply seeking an easy way to earn additional income turn to the insurance industry as a means for financial gain. According to the Coalition Against Insurance Fraud, an estimated $80 billion is paid out annually in fraudulent insurance claims. This leads to the average household paying around $950 each year in higher premiums.

Insurance fraud is incredibly common, but unfortunately it can be difficult to prove a lot of the time. That is why enlisting the help of an experienced private investigator is so important. Whether it is a general liability case (such as a slip and fall, product defect, or negligence), a disability insurance claim, an employee filing for workers’ compensation, or another type of insurance claim, our team at Desert Anchor Investigations is here to assist you.

Our agency is located in Scottsdale, but we are proud to serve the entire Metro Phoenix area and beyond. When it comes to insurance fraud, we have more than 20 years of experience in the following areas:

General Liability:

Liability insurance exists to hold people accountable, but what about people abusing the system? We will gather all the facts and obtain all evidence available in order to determine the validity of these claims. We will obtain professional and comprehensive recorded statements from the parties involved, including any witnesses. Our investigators will also conduct a thorough scene investigation with digital photographs, diagrams, along with precise measurements. Of course, we will always look for any subrogation or apportionment potential during our investigation in order to mitigate the cost to you.

Workers’ Compensation:

Are you an employer who suspects that one of your employees may have filed unjustly for workers’ compensation? Our experienced team is here to do the proper investigating for you. We will obtain detailed recorded statements from the employer/insured, witnesses/co-workers, and the claimant. If asked, we can obtain the claimant’s personnel file. We will perform a scene investigation (if applicable) with digital photographs and measurements. We will also look for any subrogation or apportionment potential during our investigation.

Auto Accidents:

Desert Anchor’s team of experienced investigators begins by obtaining detailed statements from all parties of an automobile accident. We then immediately conduct a scene investigation with detailed measurements, take descriptive photographs of the accident scene (and automobiles if available), conduct video walk-through / drive through, provide a detailed diagram of the accident scene, look for nearby security video, conduct a traffic light sequence (if applicable) and obtain statements from any eye-witnesses.

With both parties often trying to place blame, it can be difficult for insurance companies to know just who is at fault. Fortunately, our tools and expertise will help you achieve thorough, accurate results.

Property:

Property insurance claims can be very costly, so it’s important to know whether or not any level of fraud is being committed. Whether it is a liability, arson, theft, flood, or other property loss claim, our investigators have the tools and expertise to investigate them thoroughly in order to obtain the facts.

Disability:

Proving a false disability claim often necessitates a lot of surveillance time, so allow us to do the work for you. These investigations can require the expertise of our investigators to perform the following: an activity check, surveillance, neighborhood canvass, social media searches, alive and well checks, and other methods to determine if the individual is as disabled as he/she claims.

Private Mortgages:

Whether you need assistance with investigating potential private mortgage insurance (PMI) fraud or require the proper background and credit checks to approve someone for a mortgage loan, we can assist. Our team has worked with some of the largest PMI insurance carriers in the U.S.; therefore, we understand the high expectations to provide the very best results when investigating PMI claims.

Activity Checks:

This area of investigation includes discreet or direct inquiries with neighbors that could provide insightful information into a subject’s present level of physical capabilities, activities, hobbies and possible employment status. If we discover any discrepancies in his/her accounts they provided to the insurance carrier, we would recommend having us conduct surveillance on the subject.

Alive and Well / Dependency Checks:

This area of investigation includes discreet and/or direct inquiries that provide insightful information into a subject’s current state of health, receipt of benefit checks, activity level, marriage status, and number of dependent children living in the household.

Hospital / Pharmacy / Diagnostic Imaging / Clinic Canvass:

Desert Anchor Investigations conducts an investigation in proximity of a subject’s current and prior residences to determine if the subject received or is receiving medical treatment in a hospital, clinic, or diagnostic imaging facility. Further, we can determine if a subject obtained or is obtaining prescription medication from any pharmacies in the subject’s local area. These sweeps can be helpful in revealing if the subject has any preexisting injuries or medical conditions that could help mitigate the claim.

Subrogation Investigations:

Subrogation is an opportunity to recuperate money you have paid for damages caused by a third party. If you are liable for a Liability claim or Workers’ Compensation claim, but are not directly responsible for the actual injury, a thorough subrogation investigation may help you recover the funds you have paid toward the claim. Desert Anchor Investigations can help you determine the feasibility of recovering money from a third party.

Our subrogation investigations are extremely detailed, and we leave no stone unturned when determining if a third party should be held responsible for their negligence.

Mediation / Arbitration / Depositions / EUO and Trial Hearings:

With over twenty years of experience in the field, our investigators are more than well equipped to assist you with attending mediation and arbitration hearings on your behalf. We also have extensive experience in giving depositions, assisting attorneys with EUO’s, and providing court room testimonies.

SIU Investigations (Special Investigation Unit):

These types of insurance claims investigations require a more in-depth and aggressive approach to determine the facts of the alleged loss. These may involve some of the following types of claims being investigated: property theft/burglary, automobile/motorcycle theft, staged auto accidents, large loss investigations, contestable death investigations, high profile civil and criminal investigations, AOE/COE, clinic investigations, complex claims, arson/flood, and scene investigations among others. We have extensive experience when it comes to navigating these types of claims, and we would be happy to show you the difference we can make, so please give us a call to learn more.

Whether you need help with any of the above or are looking for assistance in another area of insurance fraud investigations, we are here for you. All of our personnel at Desert Anchor Investigations work with the highest levels of professionalism and confidentiality to ensure that your insurance fraud claim investigation is in good hands. Contact us today for a free consultation and to learn more about how we can specifically help your case. It is time to get to know the truth about your subject and the validity of their claim.

Send us a message:

Desert Anchor Investigations prides itself on conducting discreet, ethical and confidential investigations. We will handle your case with utmost professionalism and the highest level of integrity. Rest assured that all information provided and uncovered will remain completely confidential.

We offer statewide coverage, with a concentration in the Metro Phoenix area. We are open 24 hours a day, seven days a week, including Holidays. Please feel free to contact our office for a free consultation.

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AZ PI agency license | Bonded & Insured