No one likes to think about accidents and break-ins. You buy an insurance policy for yourself or your business, and you put it away for when that rainy day hits. And when it does, you suddenly find yourself dusting it off. You check what exactly you’re covered for. You’ll find out where your liabilities lie. You start preparing yourself for the insurance investigation that you know your insurance company is going to put you through.
But not everyone is a straight arrow, and insurance claims are often more complicated than they seem. Between insurance companies wanting to pay out as little as possible, and fraudsters filing false claims left, right and centre, having an insurance policy is only the first step in making sure that you’re thoroughly covered.
What’s the second step you ask? Often, it’s hiring a private investigator like me. A private insurance investigation can make sure that your claims fall within your policy, are above board, and that nothing untoward is going on that you’re unaware of.
In my experience, there are two overarching types of insurance investigation: those for individuals, and those for businesses. Hiring a private investigator can help in both cases, but for different reasons.
Personal Insurance Claims
When an accident happens or a break-in occurs, it can be hard to keep track of what’s going on around you. Even in cases where you haven’t been injured, stress starts to set in and you enter panic mode. Noticing details takes a backseat while you try to deal with police and take stock of damages. When you finally get a chance to sit down and start properly thinking about what you witnessed, your experience can be overshadowed by speculation, with facts becoming confused.
Having an outside party step in to walk you through the process can be essential for your peace of mind. It can help you piece together fact from fiction. A private insurance investigator can coordinate your policies where an accident has occurred, ensuring that all parties involved are covered. They can talk to witnesses to get clear statements, which will help to highlight the facts of the case. When it comes to theft, a private investigator can canvas neighbourhoods, corroborate timelines and uncover details about when and how exactly the theft occurred.
All of this evidence comes together to provide a 360 view of the accident or theft. Your insurance company could conduct an insurance investigation on their own terms. But hiring a private investigator will ensure that the process is thorough, discreet, and does not get drawn out for months at a time. Your insurance company will get the information that they need to process your claim quickly and effectively. You will have both peace of mind and the maximum pay-out possible under the circumstances.
Business Insurance Claims
There could be any number of reasons for your business to file an insurance claim. From accidents on site, to consumers finding defects in products, to theft by employees and more. When incidents occur, you want someone that you can trust to get to the bottom of the matter. You want to ensure that claims, particularly those against your company, are legitimate.
After all, it’s certainly not unheard of for an employee to claim that an accident occurred onsite, when in truth it happened elsewhere. Or for customers to claim that your products caused damage when they weren’t being used in the way they were intended.
Once again, having an outside, objective party conduct an insurance investigation can see you finding the truth of the situation. A private insurance investigator can speak to each of the parties involved. They’ll make sure that no information has been falsified, and that the full story is uncovered.
This can help your business in a number of ways. Ensure that ‘fault’ is correctly assigned, and make sure that your insurance covers the relevant damages where necessary.
But it’s not just claims against your company that private investigators can help with. Your insurance can cover your business in so many other ways. Theft, repairs and maintenance, vehicle cover, medical aid, and beyond. And whenever a claim arises, having a private investigator on speed dial can be an exceptionally useful commodity. Conducting a private insurance investigation can see you getting the maximum pay-out from your insurance claims, as quickly and efficiently as possible. All without having to worry about endless questioning, paperwork, and back-and-forth between yourself and your insurance company.
A Private Investigator You Can Trust
Whether it’s personal or business insurance, hiring a private eye to conduct your insurance investigation can be essential. To both your peace of mind and your bank account! With decades of experience behind me in investigating both insurance and criminal cases, I can help you get all of the information you need.
Ensure that you know the truth. Rest assured that your insurance company will be able to pay out as much as possible. When you find yourself in an accident, a victim of theft, or when someone is laying a claim against you or your business, turn to someone you can trust. Contact me to conduct your insurance investigation.
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