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Insurance

Image by Emre Gencer

Insurance fraud is an enormous problem and false claims are made every day.  False claims can range from a complete fabrication of the truth to minor details within a claim.  When someone files a claim against the insured, the investigation starts with a complete analysis of the claimant's injuries and statements through medical evaluation and a Discovery process.  During this process, the Defendant counsel will request answers to legal interrogatories.  These interrogatories are questions presented to the Plaintiff that must be answered.  They are an attempt to cover the entire extent of the occurrence, injury and claim.  The Plaintiff then returns the answers to interrogatories to the insured's attorney. The Defendant counsel may hire a Private Investigator at anytime of this process.  

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A deposition is a formal, in person interview of the Plaintiff by the Defendant counsel (usually recorded).  The deposition transcript can be analyzed for investigation purposes. 

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Statute of limitations refers to the deadline in which you can submit a claim. 

  • Personal injury lawsuits usually must be filed within 2 years.

  • Medical malpractice claims must be filed within 1 year (although child birth claims are 18 years).

  • Claims against a government agency must be filed within  months.   

Types of Personal Injury Cases

  • Medical Malpractice

  • Motor Vehicle Accident

  • Slip and Fall

  • Assault and Battery

  • Defamation such as Libel and Slander

  • Pet Attacks such as Dog Bites 

Why Hire an Investigator?

In many insurance cases, demands can be rather high.  For example, a motor vehicle accident could cause injuries that create a demand for $1,000,000.  Hiring a private investigator may cost the insurance company $15,000.  If that private investigator brings forth evidence negating the Plaintiff's claims, that settlement could drastically drop to $250,000 say for example.  

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That would be a 5,000 % return on investment.  That is unheard of elsewhere. (savings $750,000)

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Need more be said?

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