Insurance companies, when presented with personal injury claims, are obligated to investigate the validity of the claim to determine whether benefits should be awarded to the claimant. It is unfortunate though that people with bad intentions have found ways of abusing the system and often fake injuries to receive compensation. Personal injury claims in Connecticut, New York and New Jersey are often faked to receive workers’ compensation or to sue another person. A common method insurance companies use to combat these fraudulent injury claims is to hire a licensed private investigator to provide surveillance of the alleged victim.
People not well-versed on casualty insurance claims in New York, Connecticut and New Jersey may not be aware of the fact it is legal for insurance carriers to have a private detective surveil an alleged victim to ascertain whether or not their claim is valid. There are not many ways for an insurance company to detect fraud other than to hire a personal injury private investigator to provide them with surveillance. It is a cost effective way of weeding out legitimate personal injury claims over illegitimate claims.
What happens when a private investigator conducts surveillance for a personal injury claim? A PI will follow the alleged victim, obtaining evidence of what the individual does in public. The investigator is not concerned with the daily habits of the claimant, nor whether their claim is legitimate or illegitimate. The investigator provides an unbiased look into the life of the claimant. If someone is genuinely injured, properly conducted surveillance will illustrate that as the claimant will demonstrate difficulty going about with routine activities. If not, then that’s when they report what they have found and the insurance company stops payments immediately.
Things such as trespassing or peering through windows are off limits for personal injury private investigators. All the PI does is follow the claimant and look for deceitful actions. For example, if a claimant with a back injury is working at a construction site and getting paid under the table while getting paid workers. compensation from the insurance company. These are the types of fraudulent behaviors that our personal injury private detectives will help you find.
It is important to remember that not every insurance company hires an investigator to follow every single claimant around. Often times they’ll rely on tips or if someone has a history of fraud; those are the people who will be surveiled. Private investigators can save insurance companies money through identifying people trying to take advantage of the system. That’s what John Cutter Investigations’s private investigators are employed to do.
We are licensed private investigators in the states of New York, Connecticut and New Jersey. This article is meant to be informational and should not be used as legal advice. If you are in need of legal advice, consult an attorney.