WSIB and Private Insurance Claims [Part One of Two]
In today’s entry of the Rainy Day Private Investigative Services [PIS] Investigator’s Gazette, we’ll be starting our two part series on discussing insurance claims. The first half of this series will be focusing on the corporate side of insurance claims, where as the latter half will discuss the personal side of those claims.
Investigating a corporate insurance claim can look very different depending on the case, as companies offer insurance for a plethora of different things, including vehicles, homes, and lives.
AVIVA Canada insurers state insurance fraud across the country is costing each of us taxpayers approximately 100$-150$ annually. So how do insurance companies use private investigation agencies like Rainy Day to fix that?
Pictured above: A Rainy Day PIS investigator demonstrating the capabilities of long range surveillance equipment.
Click on the above photo to return to the services section and see what else Rainy Day PIS can offer.
Though every insurance claims case has different circumstances, the bottom line is typically that the insurance company believes that their client [who will become the investigator’s case subject] has filed a claim with their insurer that that insurance company believes was either filed under false pretenses, or was originally true but is no longer so.
An example of the former situation could be a vehicular collision which the insurance company’s client claimed to have suffered medical ailments from and suffered a “loss in quality of life” resulting in their client being unable to work anymore; however, the client in this situation has lied about sustaining their ailment and is still able bodied.
An example of the aforementioned latter situation would be where the client absolutely did suffer life-altering harm, however after some time passed their health has returned to its condition prior to their “date of loss in quality of life”. However, in this case the client continued to tell their insurance company that they were suffering from the ailment that they sustained.
At this juncture we would like to note that insurance corporations usually act in the best interests of their clients, where investigating them for fraud sometimes constitutes as acting against their clients best interests. As a result of these policies, its important to mention that many insurance fraud investigations are launched not against the insured in particular, but other persons who are uninsured with the clients particular agency but still fall under the category of being a beneficiary after an incident.
While we would like to reiterate that every case is unique, typically these corporate insurance and WSIB cases result in our clients commissioning us to preform surveillance on a subject. We have a separate entry entailing what investigative surveillance involves, which you are encouraged to read and can access by clicking here. Again, though every case is different, the typical outcome of a positive surveillance case would be documenting a subject [either in photographs or video, though video is significantly more commonplace] in labouring or acting in a specific fashion that contradicts their claims of a loss in quality of life.
Using the evidence private investigators gather in court, insurance corporations are able to put an end to specific people committing insurance fraud. With an aggregate annual cost of approximately 2,000,000,000$, it’s no wonder most of a typical investigation agency’s work is surveillance related. That’s why it’s important as an insurance agency to hire a private investigator with experience and with your best interests placed above all else; because that’s the rainy day way.