Six Common Types of Insurance Fraud


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Types of Insurance Fraud Investigation:

Health Insurance Fraud: This investigation determines whether someone is getting paid for health care they are not receiving or is filling health care claims that are not valid or needed. Investigators will search billing records to make sure doctors and patients are not colluding to commit fraud.

Car Insurance Fraud: Some criminals stage accidents in which they purposely collide with another car, then accuse the other driver of fault in order to file claims. Others attempt vehicle theft fraud, trying to get money for a car that is not stolen.

Home Insurance Fraud: With home insurance fraud, investigators look for disaster fraud, including false damage claims. They will often determine if a claimant upgraded their coverage right before the claim was filed. Investigators will also verify the validity of property damage claims.

Life Insurance Fraud: This investigation uncovers cases of people who claim too much life insurance or claim it while still alive. Investigators also verify the existence of those claiming life insurance.

Workers Compensation Fraud: When workers claim compensation for an injury, investigators will confirm the severity of the injury and whether the accident occurred while the person was working.

Insurance Company Fraud: Bad practices can also occur within the insurance companies themselves. If an insurance company takes money but does not sufficiently compensate, an investigator can aid with court cases.

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