• •         DEATH/LIFE insurance claims investigations

  • SpyBot Verifacts conducts extensive fraudulent insurance claim investigations and is accustomed to providing investigative assistance to claim departments, special investigative units or counsel. SpyBot Verifacts Insurance investigators possess decades of experience and have established a person reputation in the industry for exposing fraudulent applications and claims.
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  • Impact of Fraud

  Rs. 45,000 crore ($ 6.4 billion) loss to Indian insurance companies i.e., 10% – 12% of revenue by every insurance company

  Life Insurance – 85% & General Insurance – 15%

  $100 billion in the US, $4 billion in Australia, $3 billion in the UK and $2-$3 billion in EU countries

  Fraud values as per article in Business Today-2024

  Life Insurance Fraud Type

  Policy Holder → Intermediary → Employee → External       &      Death Claim → Early → Non- Early 

  According to our guidelines and rules, it is a crime if you knowingly, and with intent to injure, defraud or deceive insurance companies, or provide any information, including filing a claim, which contains any false, incomplete, or misleading information. These actions, as well as the submission of materially false information, can result in denial of the claim and are subject to prosecution and punishment to the full extent under state and/or federal law through our investigation services. In the context of detection of fraud our life claim investigation services includes.

  • Background Histories  | Contestable Investigations | Disappearance |
  •  Evidence Documentation | Fraudulent Claims Investigations | Interviews/Statements|
  • Medical Records | Public Records | Surveillance / Activity Checks|
  • Claim in first year of policy High value claim Manipulation in the medical documents with respect to history of ailments /Death due to Liver Disorder to rule out alcohol consumption / Death due to chronic disorder and claim in first year of policy.
  • Suspicious cases to rule out self-inflicted injuries e.g; accident at railway track etc./ homicidal cases.

         In-Person Profile Check

Enhanced Customer Verification:

AI-powered identity verification tools can help validate customer information and prevent identity theft or misrepresentation.

Harness the power of AI with end-to end automation technologies.

Insurance Fraud Intelligence API’s for all your needs

• Embed Our Insurance/Healthcare Services into your products using our modular building block APIs for on-boarding, Claims, risk, fraud, underwriting, KYC and more.

• OCR APIs:

  • KYC APIs Provide KYC Data for each customer, Document Classifier Classified the documents
  • Medical Bills – Provide Medical Bills Data, Health Policy – Provide Health Policy Documents
  • Motor Policy – Provide Motor Policy Documents, General Invoice Extract – Provide OCR Extraction Data from Invoice
  • KYC Masking – KYC Masking OCR API, Discharge Summary – Provide Discharge Summary Documents

  Analytics APIs

  • Analytics Pin code- Provide Analytics pincode wise data, Analytics Financial – Provide Analytics Financial data
  • Analytics Diagnostics – Provide Analytics Diagnostics data, Analytics Income – Provide Analytics of Income data
  • Journey Data – Provide Journey data, Fraud Prediction – Provide Fraud prediction data
  • Civil Fraud -Provide Civil Fraud data, Married Status -Provide married status data, NL Document
  • Analytics State – Provide Analytics State data, Analytics Cities – Provide Analytics City data,

  Face APIs

  • Age Predict – Age Predictor from user’s face,
  • Smoker Detector from user’s face, 
  • BMI Predict – BMI Predictor from user’s face,
  • Face Match – Face Match API, BMI Predict – BMI Predictor from user’s face
  • Plug and play Face Match API

This is to show up the true health status of the insured individual, which requires vicinity check and physical visit to confirm his real health status. Our expert investigators aggressively cross- examine his/her current health status and past medical history from the locality people. Certainly, it needs an experienced bunch of professional investigators, which we have to visit in the field for the authenticity check of whosoever has applied for insurance. Subsequently, our team in-person witnesses his livelihood, health condition and financial status, besides asking for authentic residential & identity proofs.

  Scope of Work in Video Verification

It is to mitigate the risk via a script with a set of questionnaires. It helps our backend team members to gauge the genuinity & health condition of the customer. We fix an appointment with the customer prior to initiating a video call using a secure telecommunication app.

On-Video Profile Check

This verification is rolled out when an official on risk/ underwriting team is not so sure about the validity of all or partial facts that the candidate has provided. These are the cases wherein physical verification is not possible. SpyBot Verifacts, then, takes this challenge through video verification. We deploy this automated method using a video verification app, which defines how efficiently we are turning future-ready by embracing advanced technologies to go beyond the call of duty. It helps verification executive to host one-on-one with the candidate and do the fact-check about his profile and health condition.

Major Aspects covered

• Pre & Post Policy Issuance checks for Life and General Insurance Industry.
• Claims Processing work for Life and General Insurance Industry.
• Death and Health Claim Investigation for Life and General Insurance Industry.
• Under-Writing work for Life and General Insurance Industry.

The Given below Points are Mandatory Requirements for Insurer Companies in India in the Risk Report, Pre – Proposal Verification / Risk Investigations:

• Occupation Details of Life Assured – Exact Nature of Occupation of Life Assured.
• Existence of Life Assured.
• Annual Income of Life Assured.
• Current Health Status of Life Assured.
• Authentication of Age Proof Given.
• Authentication of Income Proof if Attached with Proposal Form.
• Points Noted have a Difference by Investigator as per Investigation done and Proposal Form Details.
• Customer Background / Profile Check Mortgage / High Value Customer.

•           Scope of Work in Video Verification

• It is to mitigate the risk via a script with a set of questionnaires. It helps our backend team members to gauge the genuinity & health condition of the customer. We fix an appointment with the customer prior to initiating a video call using a secure telecommunication app.

   motor own damage insurance claims investigations

We have a specialized team to do in-depth investigation into bogus motor or vehicle insurance claims for our clients.

Fraud detection using AI for car damage assessment | Image/video analysis using AI for fraud detection has become feasible after the recent major improvements in computer vision technology. Learn more about how AI can help detect and prevent car inspection fraud.

Fraud Detection Using Mobile App AI – Preventing Vehicle Inspection Fraud
The introduction of modern technology like Artificial Intelligence and the digitalization of fraud detection processes is a giant step forward in preventing auto inspection fraud.

SpyBot Verifacts, for example, has been helping insurance and mobility companies detect and prevent motor insurance fraud with an AI-enabled platform. The platform delivers multiple features such as video-based auto damage detection, detection of old or prior damages, identifying damage cover-ups with stickers, fraud detection through metadata, etc. While the following modules are specific to SpyBot Verifacts, this is how AI can help detect and prevent car inspection fraud:
Vehicle Damage Inspection – Our patent pending technology specializes in damage detection on various vehicles such as cars etc. Our product has been trained on 7 MN+ damage asset photos/videos
which allows us to achieve a very high level of accuracy (96%+)

Telematics is a tracking technology that uses the principles of telecommunication and informatics.
A telematics system stores and transmits driving-related data. It has three main components:
Telematics Control Unit, Cloud Server, Mobile Interface, OBD Based, App Based, Black-Box Based.

NCB Concealed: These usually comprise of fraud committed at policy inception to save premium. This involves intentionally concealing the information
or not providing correct details on the proposal form. For example while switching from one insurer to another, if a customer does not disclose details
of a claim made previously and attempts to avail NCB (No Claim Bonus) discounts, it is considered as fraud.
Number plate replacement: There are instances where the uninsured vehicle meets with an accident causing loss to the owner. However the policy is availed after the loss on a vehicle of similar make and model by replacing the number plate.
Fake Documents: Fake documents frauds at the underwriting stage may also arise when the insured submits fabricated documents or false information to avail a policy. For example fabricated policy from previous insurer and fake reports in collusion with third parties.
Fake License: There have been many incidents where the insured produces a fake driving license while making a claim. The insured gives in to this practice in case his license has expired which could result in repudiation of the claim,
Driver Swapping: In this case while intimating a claim the insured provides wrong information on the person who was driving the vehicle at the time of the accident
Staged accidents/thefts: Many a times claimant’s stage thefts or accidents in order to avail claim. Occasionally, although the insured vehicle does not suffer any accidental loss/damage, loss is claimed by fabricating the accident and damage.
Claims Padding: It is also referred to as “legalized frauds”, this basically means increasing the damages to a vehicle in order to overstate the claim. This is usually done in collusion with motor dealers or repair it garages.
Multiple Claims: Motor insurance is generally an exclusive contract. If the insured takes multiple policies for the same vehicle and makes multiple claims for the vehicle for the same damage amounts to fraud.
Misrepresentation of facts: The claimant misrepresents the facts while claiming for an otherwise genuine loss like changing the spot of accident and the cause of loss.
False Claims: Often false claims of bodily injuries are made due to an accident. False reports and fake documents are presented in collusion with police, transport and other officials.
Motor Salvage Frauds- Frauds observed in the Motor Salvage for Total Loss or Constructive Total loss Claims , where the value of Wreck/Damaged vehicle undervalued by the group of Internal Employee, Intermediaters, Buyers. This may cause huge salvage revenue loss to company under the Subrogation right of insurers
Cover note Frauds: These are amongst the most prevalent types of motor insurance frauds which involve issuing of backdated cover notes on already damaged vehicles. Cover note frauds also entail issuance of cover notes changing the details of the vehicles to give undue benefit to the customer or utilizing expired cover notes to issue policy,
Low Market Value Vehicles with Insured for Higher Value (IDV) claimed for Total Loss through Staged Accident / Fire Loss or Staged Theft Loss.
Policy arranged for Non Insured accidental vehicle and claimed in policy period.

Modus of Operandi:
Low Market Value Vehicles with Higher Insured Value (IDV) claimed for Total Loss through Staged Accident /Fire Loss or Staged Theft Loss

Reference from: https://timesofindia.indiatimes.com/city/delhi/man-files-online-reports-of-fake-car-thefts-for-insurance-caught/articleshow/100833626.cms

Revolutionizing Vehicle Claims Repair with AI-Powered Precision

 motor vehicle THEFT insurance claims investigations

Motor Theft Claims are commonly viewed as very difficult to prove but we have a dedicated team of investigators who are well versed with the theft claims in different format. We verify each and every aspect of the claim with their vigil eyes and ascertain the authenticity of the claims. Our key to successfully investigating fraudulent theft claims is the ability to identify and recognize suspicious factors in claims:

Al algorithms can analyze large volumes of data to identify patterns indicative of fraud. For instance, they can detect unusual behavior such as frequent claims, inconsistent  information, or suspicious claims from certain geographical areas. Al and automation technologies are revolutionizing the way insurance investigations are conducted. Automation refers to the use of technology and machines to perform tasks and processes with minimal human intervention. It aims to increase efficiency, reduce errors, and save time by automating repetitive or complex actions. INTELLIGENT PROCESS AUTOMATION, Machine Learning   Artificial Intelligence, Cognitive Learning, Robotic Process Automation

• Size of the Loss & Scene Examination
• Type of Property Stolen
• Circumstances of the Loss & Timing of the Loss
• Loss History / background of the case & Police Reports
• Documentation of the Loss
• Insured’s, Informant & Witness Statement
• Our experts are at hand to promptly and expertly handle any Motor vehicle theft investigation. We offer expertise for handling complicated theft investigation cases for Motor Vehicles.

Today, Vehicle theft has become concern of many citizens and affects the entire society. In the India alone, more than  two lakh vehicles are stolen every year. The city of all over country holds the sad and impressive record for the high rate of stolen vehicles.

with the scientific  and technical advances in forensic sciences and criminal investigation techniques it would appropriate that all possible means be applied to the   investigation of auto theft and recovery stolen-recovered vehicles cases.
SpyBot is a leading forensic laboratory in India dealing with the investigation of auto theft, the forensic examination of a vehicle, stolen-recovered or more simply crime-related vehicles. The goal of our organization is not only to fill the gap in investigation, but also to provide more comprehensive information surrounding the investigation of auto theft. We conduct proper examination of stolen/recovered and crime-related vehicles. When a vehicle reported stolen is discovered, our investigators answers

four basic questions: Our experts are at hand to promptly and expertly handle any Motor vehicle theft investigation. We offer expertise for handling complicated theft investigation cases for Motor Vehicles.

VEHICLE RECOVERY SERVICES

Recovery for us means IV which was stolen either its claim is paid or unpaid by us, finding those vehicle through different resources.

WHAT IS THE PROCESS TO BE A RECOVERY

  You will collect vehicle details (Registration no./Engine no & Chassis no.) from different resources (which are discussed later in this mail.)

• Shared that data with us without telling us the location or police station where the vehicle is standing right now.
• We will confirm that if any vehicle from the data is insured by us , if it is insured by us then we will confirm it on mail.
• You will share further details about the subjected vehicle after our confirmation & incentive will be paid to you as per our incentive table.

WHAT ARE THE METHODS FOR RECOVERY?

Via POLICE station:- We believe each and every investigator or their team visits police station for either TP/THEFT/OD/MST investigation, therefore each and every one of you can collect seized or unclaimed vehicle details from police stations and later on share those details with us for any recovery without disclosing the police station until recovery is confirmed by us.

Via PARKING LOTS:-We can obtain vehicle details from parking lots, as thieves or gangs use parking lots to park stolen vehicle until they can sell it further.

Vehicle standing at parking lots unattended or unclaimed from weeks or months will be useful towards recovery.  Anyone can give 15 mintue from their schedule to check there in route parking lots for such vehicles. Via ZIPNET:- We monthly share complete master MIS of THEFT claims with investigators interested in recoveries.  You can check that data in unclaimed vehicle section of zipnet to see that if any vehicle was recovered by police and share those details with us.

  HEALTH / Reimbursement Claims InvestigationS:

In health insurance claims, we can check if the person is actually ill, or whether he’s conniving with the doctor or hospital to get insurance money. Our team can investigate if a disease is pre-existing in the claimant and whether his insurance claims are genuine. Companies also hire us to investigate if someone is showing a different disease for claiming money but actually he’s has different disease altogether.

Factual/Circumstance Investigations involve establishing the circumstances of the claim and may vary depending on the desired outcome such as:

• Obtaining the general facts of the claim
• Identification of the negligent party or 3rd party recovery
• General Work Injury Damages enquiries and gathering of processes
• Confirmation of financial records to confirm entitlements

• Commonly occurring frauds in health insurance Health frauds can broadly be divided into- Hard Frauds and Soft Frauds. Each of these broad categories further constitutes of situations ranging from misrepresentation of facts, to fabrication of documents, and even situations including inflation of claims. Hard frauds usually involve a more extreme form of activity such as absence of patient in case of situations involving hospitalization, in the first place.

  Misrepresentation of facts: Perhaps one of the largest types of fraud, a case qualifies as misrepresentation when the insurance applicant is completely aware of the inaccuracy of the statement/information provided. Amongst the most commonly falsely stated details are details regarding medical conditions or diseases, incorrect personal details such as name, age, identity, etc., or even information such as medical history, past claim information, and soon.

Fabrication of documents: It is commonly noticed that fabrication of documents often acts as a frequent form of fraud related activities that the health insurance industry is faced with. These documents could range from those regarding medical details/history of the insured, or documents at a later stage such as claims related or other documents such as fake letterheads. Forgery of medical bills and receipts is yet another increasingly rampant issue in health insurance fraud.

 Inflation of claims: Another frequent occurrence in the domain of health insurance is that of inflated or exaggerated claims. It is not rare to come across the assumption/belief by customers that the insurance company invariably refuses to pay the complete claim amount as put forth by the customer/policyholder. This seems to be a common motive for several customers to present an exaggerated claim amount by false methods, for their own monetary gains. However, it can be said that frauds of this kind are relatively easier to detect and investigate.

• Prevent
  our  team takes a keen interest in the process followed for all fraud related investigations so as to ensure the authenticity of the case. These investigation methods involve extensive procedures irrespective of the situation, be it a cashless case or even one involving reimbursement.

To identify the possible fraudulent cases on the basis of certain triggers. The module also makes the entire process more efficient, as it is all taken care of by an automated process, as opposed to the previous manual processes followed for the same.”

Health Insurance Claims

False Claims- Fraudulent Claims for medical services or the treatments which were not provided.

Identity Frauds-  Non-insured Person “A” File a health claim on the health policy of a person “B” by providing personal details of the Person Staged Accident- Fraudster organizes accident to file fraudulent for medical expenses.

Cuts in Referral Fraud: some health care providers may offer cuts or commissions in exchange of referring patients or prescribing specific medications.

Underwriting-Operational Frauds in Booking of Business.

Covering Pre Existing Loss. Back Date Policy Booking. (Misuse of Proposal Forms/Cover Notes/Back dated Cheques) Premium Siphoning. 

Short Premium – Insuring vehicle in wrong Category (Commercial Vehicles policies were booked under Two Wheelers policies)

    Legal MACT/TP & WCC Claims Investigation:            

 The compensations against fatalities and grievous injuries resultant out of the road accidents do fall within the provisions of Motor Vehicle  Act 1988 and Workmen’s Compensation Act, 1923 in India and the owner / Liability insurers of the vehicles have to comply with the provisions of the law.

• • India Tops the world in road crashes death and injuries. It has 1% of World’s vehicles but accounts for 11% of all road crashes deaths, witnessing 53 road crashes every hour, killing 1 person in 4 minutes.

                           The average single Third party fatal death claim cost INR 8 to 12 lakhs which insurance company pays.

• Being carried out specifically insurance companies require
• MACT Investigation (Detecting frauds in Motor Third Party Claims) Comprehensive Investigation of MACT claims
• Age / Income proof of Deceased / Claimant Statement
• Police report verification / Criminal record from court & Document verification
• Claimant, Insured and Driver statement and verification
• RTO Papers verification from RTO like D.L., R.C. Book, Fitness, Permit etc.
• Handling High value cases with expertise remarks to reduce liability.
• Sting operation for capturing and exposing fraudulent cases.
• Liaising with Regional Transport Authorities for verification of RTO records.
• Liaising with district court officers and collection of criminal documents.
• Liaising with Income Tax officers for verification of ITR’s.
• Liaising with Police Authorities for filing police complaints against culprits & internal fraud.
• Any other relevant verification or investigation required by court of law or insurance company   Got exposure and dealt in various areas viz., Accident Claims (MACT),

Consumer Complaint, Money recovery suits, DRT Cases, Partition suits, Suits for Specific Performance, Workmen’s Compensation matters, Legal opinions in respect of Properties.

MACT (Motor Accident Claim Tribunal), Statics on Road Accidents, Frauds Claims and Insurers Defense in Court of Law-India, MACT Investigation.

• • MACT claims fraud is a criminal act that occurs when individual or group knowingly provides false information or conceals relevant information in order to obtain insurance pay-out/ compensation or other benefits.
  • This experienced that 10% to 12% fraud occurs in any insurance claims system. Insurers observed various Modus of Operandi in MACT claims.

1. Vehicle Implant for Hit and Run Death case Accident- There are syndicate in the market they engage in the fraudulent activities by intentionally placing the vehicles in the hit and run cases. Their goal is to falsely claim the third party insurance amount from insurance company.

2.Natural cause of death or other than accident death cases converted in Third party claims or Personal Accident Claims.

3.Replace of driver with valid driving License holder in an accident where original driver not hold valid license.

4.Exaggerate Compensation amount on the basis of Forged, Fraud income proof of deceased.

• • Example (Reference From): https://theprint.in/india/a-multi-crore-insurance-fraud-that-fed-on-poor-cancer-patients-in-haryana/235771/
  •  
  • Modus of Operandi:
  • A Syndicate allegedly identified poor cancer patients, convinced their families, waited for them to die and staged their deaths as accident with the implanted vehicles and claimed their death claims under respective policies.
  • Syndicate Details:
  • Master Mind(Ex-Employees of Insurance Company had extensive claim handling experiences and depth knowledge of internal processes)
  • Record Keeper with Hospitals.
  • Family Members of Cancer Patients.
  • Post Mortem Doctors.
  • Officers at various Police Stations.
  • Hospitals.
  • Insurance Agents.
  • Public Prosecutors.

Few Major MACT Fraud Claims arise:-

1.Vehicle Implant in Hit and Run Accident death or other nature of death.

2.Driver Implant where actual driver do not have the genuine driving License to drive the accidental vehicle.

3.Exaggerate of MACT compensation amount by producing false income proofs etc.

4.Planting of deceased in accident, where in actual cause of death was by other nature.

5.Concealment of fact for nature and cause of loss or loss location.

6.Driver Swapping.

7.Mapping of Manual Insurance Cover Note or Manual Proposal Forms which manipulated in back dates.

8.Claim filed on Forged Insurance Policy or Insurance Cover Notes.

Insurers Defense in Court of Law:-

1. Insurance Companies have been allowed to take Defense in court of law for the following:-
2. Use of Vehicle for Hire and Reward not permit to ply such vehicle.
3. For Organizing racing and speed testing.
4. Use of Transport vehicle not allowed by permit.
5. Driver not holding valid driving license or have been disqualified for holding such license.
6. Policy is void as the same is obtained by non-disclosure of material facts.
7. MACT Claim Investigation Triggers and Touch Points:-

• Various Insurance companies has set up a separate MACT investigation department. AS per their experiences and Vision they have different sort of Triggers and Touch points for investigation. These triggers and touch points used to statically evaluated for the feasibility and performances of triggers on time to time.

Workers Compensation Claims (WCC):

A Workmen Compensation insurance policy is a commercial insurance policy that covers the legal liability of an employer to provide compensation to its workmen in case of their death or accident. Also known as employee compensation insurance or labor insurance, this insurance enables an employer to demonstrate his ability to meet the obligations imposed by the Workmen Compensation Act. It enables the employer to pay the compensation payable under the Workmen Compensation Act of India, which is monitored by the Ministry of Labour & Employment.

We are doing following investigation in WC

• Surveillance we use audio, video, and other types of surveillance to determine whether an individual worker is as injured as they claim.
• Interviews and research Workers compensation investigators may interview colleagues, friends, family, and other individuals to learn whether there is an issue of fraud and, if so, how great.
• Background checks and records research an investigation into worker’s compensation fraud may include checking medical records, employment records, and other records. Private investigators may also run background checks to see whether a worker has filed numerous compensation claims in the past or if the company has a history of misclassifying employees.
  • Evidence Gathering Workers compensation investigators can gather evidence if they uncover workers compensation insurance fraud. This can help employers and businesses prosecute fraud and cut off workers compensation claims that are not legitimate.

• Right of Recovery from Owner to Insurance Company ( Pay and Recover):-

• Insurance Pay and Recovery Activities Subrogation Recovery Investigations
•  
• Liability of the Insurance Company has been made to third party even if there is no negligence or defence to the insurance Company are available. Right have been given to the Insurance Company by the way of legal precedents incorporating various provisions to recover the said amount paid to third party from owner.

Our Subrogation and recovery investigators provide the sincere solution to the companies or organization in determining the occurrence of the losses due to the negligence of the third party and insured person. Our Subrogation and recovery investigators provide complete analysis through site evidence and witnesses to determine the loss. Our Subrogation and recovery investigation services have become the effective process to get the wider solution to losses due to negligence of the third party or insured person. Our services help the clients to take action against major fraudulent activities in Insurance sector.

Livestock Rural Cattle claims Insurance Investigations / Spot Survey

We have also vast experience in dealing with Cattle Claims Survey and for this our network presently covers all Districts of Bihar and Jharkhand states. Presently we are working within the radius of 300Kms from Patna and Ranchi for Cattle Claims Investigation and also working in Patna. We are enhancing our network day by day.

My Expertise:

• U/ W of Cattle Health check-up.
• Tagging, Take Photographs for Identification.
• Cattle Death Claim Investigation.
• Controlled Fraudulent Cases in Livestock.
• Analysis of Claim Ratio and regularly reviewed about Insured Cattle with Claim Allotted by Company to us.
• Regularly Submitting Health Certificate and Claim Investigation Report which allotted to us by Insurer.
• Implementation of Management, Administrative, Development of Infrastructure, Appropriate Staff Training and Cooperation with Insurer/Bank/Microfinance Company/ Co-Operative Dairies Authorities for Our Services.
• Organized Extension Meeting in Village Level.
• Maintaining Quality work and Risk Management of Insurance Company by proper Underwriting and Stop fraudulent cases in Cattle Insurance Business i.e. Total Solution for Rural (Cattle) Insurance Business.
• Prepare Veterinary Health Certificate
• Proper U/W & Control Claim Ratio for Insurance Company
• Give Best Services to Rural Customer & Insurance Company

GRAM SEVA KENDRA for Livestock Insurance Services in Rural Area with door to door Services like Tagging & Death Investigation since 2012.

Team of 20 Well Trained Executive and 3 are Registered Veterinary Doctors. We takes great pride in the success and development of our employees, We continuous give Good quality of training, Technology and Work exposure to each our employee so that they deliver a very Good & Best quality of professional services.

SpyBot Verifacts Insurance Services Offer Complete Solution to Bank & Insurance Company for
# Cattle Health Inspection, ,
# Market Valuation,
# Identification with Geo-Tag Photographs,
# Death Verification in Rural Area across Bihar & Jharkhand since Last 10 Yrs.

 Non-Motor Claim Investigation

Claim fraudulent acts are at a rise at an alarming rate which results in huge losses to the insurance companies. Our certified and skilful investigators are capable of detecting these fraudulent claims and thereby help the clients in preventing such losses. We provide best solutions to check these fake claims. We undertake all kind of insurance investigation matters which include insurance fraudulent claims investigations, accidental benefits/vehicle crash claims, life insurance claim investigations, third-party claim investigations, fatal accident investigations, Death verifications and medi-claim investigations and other related matters.

MARIN CLAIMS & ACCIDENT INVESTIGATION

Our investigators at SpyBot agency provide a wealth of practical experience and technical knowledge, having been involved in all manner of marine claims and accident investigations, including high profile casualties. Therefore, we understand that a rapid response can be of paramount importance to the immediate collection of relevant evidence during the initial stages of a marine incident, particularly in the event of a claim arising.

• Collision, groundings and damages to fixed and floating objects, including extent of damages, matters of causation and liability issues. Hull & Machinery damages.
• Expert Witness services, Litigation, Mediation and Arbitration support.
• Recording of witness statements.
• Personal injury investigations & Analysis of nautical based claims.
• Loss Prevention Consultancy & Heavy weather investigations.

Burglary & House breaking claim investigation

Our investigators at SpyBot agency provide a wealth of practical experience and technical knowledge, having been involved in all manner of Burglary claims and accident investigations.

Burglary insurance provides additional protection to your property. The policy provides coverage for damage or loss caused to the property and its contents due to burglary and housebreaking

• Damage or loss caused by theft resulting from forced or violent entry into the premises
• Any damage caused to the premises or contents because of burglary/housebreaking during the policy period

Travel Insurance Claim Investigation 

Our Third party and travel claim investigators have the competency to provide all kinds of Third party and travel claim investigation services to identify fraudsters who have the tendency to file the fake claims to get the travel insurance to get the recovery of the losses which are unreal and never occurred. In addition to that our investigators Third part claims investigations are prominent in verifying association of third party in the recovery of the claims occur due to road accidents. Most of the Third party and travel insurance investigations are important in deterring all the possibilities of a loss or damage occur during the fake travel and third party claims. Our Third party and travel claim investigation services alleviate frauds in insurance sector in India.

The insurance holder can often think of claim fraud as being primarily perpetrated by organized fraud rings. An individual’s can be motivated by any number of factors, including greed, lack of income and the feeling that they are not being dishonest by defrauding insurers. Our fraud detection efforts are sufficient for the detection of fraudulent environment.

Our strategy of fraud detection is concluded with all the aspects of travelling fraudulent claim viz:

• Date of travelling
• Identity documents submitted for tickets
• Details of departure and arrival
• Mode of travelling(train, bus, flight)
• Staying arrangement at the proposed place
• Time duration of tour etc

Our ultimate goal is to help claim handlers to adhere a comprehensive investigative plan that is appropriate for every claim, balancing the risk of fraud and the practical cost of investigation.

Fire and Special Perils Insurance Claim Investigation

In many cases, fire is deliberately set to stocks (goods or raw materials) to gain insurance claims and it’s never easy to bring truth in such cases. Sometimes loss of stock due to fire or arson is claimed way more that their actual worth so insurance firms can hire us to expose the fraud.

Medi-claim / Group / GPA Claim Investigation

• Visit to Accidental Spot, statement of eye-witness at the accident spot.
• Collection & Verification of Medical documents.
• Visit to Bank Branch.
• Statement of Manager & Colleagues.
• Photo of Accident Spot.
• Family Background
• Deceased Background
• Verify occurrence with eye witness
• Collecting details narration of accident.
• Alcoholic history of the deceased/ Whether deceased was under the influence of alcohol at the time of incident.
• Identify with suicidal angle.
• Consult with neighbours & relatives about his relationship with other family members and take their statement.
• History of Pre-existing disease with hospital related documents.

• Our experts are at hand to promptly and expertly handle any GPA Claims investigation. We offer expertise for handling complicated cases under Medi-claim/GPA Claim Investigations.