Insurance Claims Investigations

Insurance Claims Investigations

One of the cornerstones of SIB. is our long standing tradition of providing investigative excellence to insurance carriers. Our investigative services, which include casualty surveillance, background checks and activities checks, have helped thousands of adjusters and defense attorneys from coast to coast to gather the information they need to make educated, responsible claims decisions.

We realize that too many insurance investigative agencies make far too many irresponsible promises about they can do which almost always leave you looking bad to your supervisors, claims team and the claimant. We understand that you have many choices when selecting an investigator and that most insurance investigators sound the same when pitching their services to you.

What we will promise you, which the giant national P.I. agencies cannot, is that we will not embarrass you or your company. We do not accept assignments that we cannot actually do and do well. We do not use investigators who are untrained, inexperienced and make for poor witnesses on the stand. In short, everything we do, we do with your best interests in mind. We follow an ethics policy and treat the subject of the investigation like a real person and respect their rights and dignity.

Many insurance investigative agencies can’t deliver the same level of service or product that we can because they try and be everything to everyone and everywhere, at the lowest price possible. In our business, labor costs are the main expense that a P.I. will incur. By keeping that cost as low as possible, they try and maximize their profit. (For those of you who may doubt that these national agencies pay only slightly better than the minimum wage, call and ask to apply for a job at one and ask the starting salary) Keeping labor cost low sounds like a sound business decision particularly when they rationalize this by relying on case management software, an initial training class and even some experienced supervisors to try and make up for a lack of experience or skill in the field. Oh, don’t forget, they claim to be able to do everything anywhere in the country. The problems arise when you realize that their investigators are not professionals, they are kids with little or no real world experience, supervision by telephone only and a true lack of concern for their low paying dead end jobs. No agency can provide you with true investigative excellence when the work is actually being conducted by inexperienced investigators who make ten dollars an hour, and that’s what they do. Even more insulting than providing these people as their field investigators, these same firms send out sales people to convince your manager that they should be hired to manage your claims files and special investigative unit. You need investigative expertise, not fairytale stories from someone who sees your case and number ten thousand.

Why would any carrier want to work these giant agencies? Because they sell the idea of “cost savings” to executives very high up in the company who get wined-and-dined by sales professionals with graphs and slick promises. In some cases, these investigative agencies also give their clients “refunds” or “rebates” a.k.a. kickbacks.

We have a different approach. We only take cases in areas we cover regularly and reliably, we have a strict code of ethics we follow, all of our investigators are experienced and make for strong credible witnesses in court and all of our investigators are well paid professionals.

About our Insurance Claims Investigation Services


Our casualty surveillance services area available for the following types of claims:

  • Bodily Injury Claims
  • Workers’ Compensation Claims
  • Disability Claims
  • Public Liability
  • Litigation Support
  • Subrogation

Claims Investigations

Our Claims Investigations include:

  • Written/Recorded Statements
  • Accident/Loss Scene Investigation
  • Auto Liability & Bodily Injury Claims
  • Workers’ Compensation Investigations
  • Alive & Well Checks
  • Property Claims
  • Life & Health Claims
  • Contestable Death Claims
  • Disability Investigations
  • Alive & Well Interviews
  • Slip & Fall Investigations
  • Subrogation

All of our work is documented and supported. We do not speculate or embellish. We know what you need to succeed in the insurance industry and that is what we deliver.

When you need results rather than fairytales, we encourage you to call us today and speak with an investigator.

About our Insurance Claims Investigation Division:

Insurance Claims Investigations

We at SIB pride ourselves as being a smaller agency with fewer employees than the larger nationally based private investigations firms. These companies are more concerned about advertising campaigns and trying to become “number one in the field.” These larger companies may have hundreds or even thousands of employees, take up several floors of a large office building and may spend more on campaign ads and slogans than you and I will ever make in a lifetime. What it means to the customer is that they become a number and not a client. Most of these larger companies have an assembly line type of process when it comes to handling your cases. Cases begin with step A and end with step Z. Their concern is not whether they handle your case correctly or whether they obtain your desired results; they just want to get the case, assign it to the next available employee, follow the predetermined steps, get their money from you and send it out the door. Achieving a specific goal is the least of their concerns.

SIB is a much smaller company than most of the larger, nationally based private investigations companies but our desire and will to obtain a specific goal, is much larger. At SIB our clients are not file numbers, we treat them as real people. We take the time to listen to their stories, to help them come up with a plan of action and see their investigation through to the end. We will be up front and honest with the client. If after listening to their story and understanding what the client is looking for, we know that we cannot help this individual, we will simply turn the case down or refer the client to another investigations company that may be able to help them. Although we are a “for profit” company, money is not our bottom line. We have taken in several cases with several investigation hours budgeted. While working on these cases, we found certain shortcuts and/or reached our goal well short of the budgeted number of hours. It run, we refunded the balance to our client. Would the larger companies do that or would they tell the client that it took them exactly the amount of time and hours that were budgeted?

SIB also has professionals assigned to smaller divisions within the company specific to certain investigations. What this means to you is that the investigator that you speak to in the beginning to help you out with your investigations, will be the same investigator that keeps you updated during the process and speaks to you about the final result. With the larger companies, you never know who is handling your investigation from day to day and are usually kept in the dark until your invoice is mailed out. At SIB you will be updated during the process and will know exactly where we are with your investigation on a daily basis. Many of our clients establish a very solid rapport with our investigators which makes them feel very comfortable and not like just another number.

Being a smaller company, SIB has the advantage of hiring professional investigators at a higher hourly/salary than the much larger companies. SIB’s investigators all have several years of military, law enforcement or prior private investigations experience. The larger companies pay their investigators barely higher than minimum wage which allows them to cover a much larger area. This is also why these companies have a very high turnover and settle for less than “cream of the crop” when it comes to their personnel. What does this mean to you? The larger companies hire young kids who think it would be “cool” to be an investigator. They provide very little training, possibly the company manual, and give them a video camera. When it comes to the quality and professionalism involved with your investigation, how do you think they will perform? If your case goes to trial, would you want an inexperienced kid on the stand or a professional investigator with several years of experience?

SIB has professional investigators assigned to specific areas in the company based upon their own prior training and employment experience. Unlike the larger companies who train their employees once during the initial orientation, SIB employees are constantly being trained to keep up with modern technology, laws and ethics and the continuous changes in the field of private investigations.

When it comes to hiring an investigations company to handle your case, bigger is not always better. Give SIB a call and be treated like a person and not a number.

Insurance Claims Investigator – Private Investigator – Insurance Fraud Investigation – Casualty Claims Surveillance – Injury Surveillance – Ethical Investigative Practices

Private detectives and  Insurance Fraud If you have been arrested for Insurance Fraud in Florida, it is important that you hire an experienced Insurance Fraud criminal defense Attorney to represent you. The Orlando Law Firm, P.A. will work tirelessly to attempt a successful defense to the crimes with which you have been charged. As a former Assistant United States Attorney for nearly 10 years, Orlando Florida Lawyer understands how to aggressively defend Insurance Fraud crimes in the state of Florida. We are a strong believer of our clients' Constitutional rights and will do everything in our power to protect them. Orlando Florida Lawyer is an aggressive Orlando Insurance Fraud criminal defense lawyer who will handle every aspect of your criminal case up to and including trial. Insurance Fraud insurance fraud Insurance fraud/false insurance claims are insurance claims filed with the intent to fraud insurance provider companies. Insurance fraud hurts the average person in two ways. First, all fraud costs, including losses, investigations, etc. are recovered by the insured people through higher premiums, or, in the case of government insurance by higher taxes. Second, if a particular individual is the target for the fraud, they have costs such as deductible payments, loss of property use, etc, as well as higher premiums from the claim loss and the potential for denial of future coverage. Insurance claims filed with the intent to defraud an insurance provider is known as Insurance fraud. In the United States insurance fraud estimated-ly cost US$875 per person annually but with The Coalition Against Insurance Fraud working, it decreases each year loss to estimate $80 billion per year. Health insurance fraud is defined as an intentional act of deceiving or misrepresenting information that results in health care benefits being paid to an individual or group. Studies prove that over 30 billion dollars get lost annually to health care fraud in the United States. In order to control costs, insurance companies investigate fraud for the benefits of their members..

Private detectives and investigators may use many methods to determine the facts in a case. Much of their work is done with a computer. For example, they often recover deleted e-mails and documents. They also may perform computer database searches or work with someone who does. Computers allow investigators to quickly obtain huge amounts of information, such as records of a subject's prior arrests, convictions, and civil legal judgments; telephone numbers; information about motor vehicle registrations; records of association and club memberships; social networking site details; and even photographs.

Detectives and investigators also perform various other types of surveillance or searches. To verify facts, such as an individual's income or place of employment, they may make phone calls or visit a subject's workplace. In other cases, especially those involving missing persons and background checks, investigators interview people to gather as much information as possible about an individual. Sometimes investigators go undercover, pretending to be someone else in order to get information or to observe a subject inconspicuously. They even arrange to be hired in businesses to observe workers for wrongdoing.

Photo/Video Surveillance
Photo/Video Surveillance
Welcome home to Krishnamrutam Infotech, where the aesthetics meet the high-end technology to deliver you the ultimate business advantage!