Fraud in the insurance industry is widespread and
usually consists of a false or exaggerated claim. There is no question
that fraudulent insurance claims cost Americans millions of dollars every
year. The insurance companies are doing their best to eliminate these
fraudulent claims, and we are here to assist them with this task.
CK Investigations, Inc (CKI) provides a broad range of
investigative services for insurance companies, self-insured and
third-party administrators. We specialize in a variety of insurance
investigations. At CKI we recognize that professional, knowledge and
sensible claims handling ultimately determine the success or failure of
any case.
Our insurance claims investigations are conducted to
verify the validity of a claim and are an effective way to minimize risk,
protect company assets, cost effective and are provided in a timely
manner. We use the combination of computer database searches with field
investigations to investigate claims. We provide thorough, prompt and
professional investigative services, and we take the time to impart
individualized service based on each client's specific case-related needs.
The findings of our investigation are documented in a
detailed written report, supported with any photographs and/or video,
which you may retrieve from the convenience of our investigative database
Info-Source.
|
 |
 |
Some of CKI's Insurance
Investigations services include:
Written or Recorded Statement(s)
Comprehensive in-person interview with the
subject that focuses on all relevant and important issues relating to the
claim whether it be a motor vehicle accident, workers’ comp injury or
disability personal contact. The interview includes one recorded or
written statement, two hours travel and professional report documentation.
Claims Investigations
This is a complete investigation tailored
to fit the claim. Such investigation may include scene photos and
diagrams, vehicle inspections, measurements, witness canvasses, statements
and document retrieval.
Activity Check
This is used to determine the claimant’s
daily activities though interviewing neighbors lending insight into
subject’s usual activities, physical capacity and employment status as
related to workers’ comp injury, death benefits, disability or bodily
injury claims. A social makeup of the neighborhood, description and photos
of the residence and vehicle’s at the residence if available. Verification
of the claimant’s residence, telephone, social security number, and
registered vehicles at the claimant’s.
Medical Investigations
This investigation is used to determine
whether the claim is compensable and whether there was a preexisting
condition. To determine this we will examine the claimant’s medical
reports and bills from each of the claimant medical providers, including
doctors, hospital and clinic. A medical authorization should be obtained
for this type of investigation.
Standard Background Investigation
The Standard Background Investigation
provides an in-depth investigations into the claimant’s current and
previous residential history; public record check, which includes, Liens &
Judgments, Bankruptcy, Business Affiliations, Professional Licenses, Real
Property Ownership, State Driving Record, Asset Search (Vehicle(s), Boat,
etc) and a courthouse search of Criminal & Civil records (up to 1 county
are searched) covering the last 7 years within the current county where
the claimant resides.
Comprehensive Background Investigation
The Comprehensive Background Investigation provides an in-depth
investigations into the claimant’s current and previous residential
history; public record check, which includes, Liens & Judgments,
Bankruptcy, Business Affiliations, Professional Licenses, Real Property
Ownership, State Driving Record, Asset Search (Vehicle(s), Boat, etc)
Federal Criminal/Civil Records Search, Statewide Criminal Search (in
available states) , Criminal & Civil records (up to 2 counties are
searched) covering the last 7 years and Workers’ Compensation History
Check (signed release may be required).
Alive & Well Checks
This investigation is performed by CKI investigative team to verify a
claimant's current living and activity status. Our basic check involves a
brief telephonic interview with the claimant, verification of
employment/disability status, ss #, address, telephone and other available
information.
Accident Scene Investigations
This service includes photographs of the accident scene, video walk-thru
of the accident scene, vehicle(s) and a diagram of the accident scene.
Low Impact Accident Investigation
Scene, vehicles and interviews include photographs, video and a diagram of
the accident scene, as well as, photographs of accident vehicle(s) and
written or recorded interview with the drivers of the vehicles (2) in the
same geographical area.
Hospital / Pharmacy Canvass
This service is conducted within a 60 mile radius that surrounds your
claimant's listed addresses to determine if the claimant received any
medical treatment or obtained any prescription medication during the
months or years proceeding the reported injury or date of loss (12
hospitals or pharmacies will be checked with a signed release).
Locate Service / Skip Trace
With the use of extensive database searching and neighborhood canvassing
we will locate the whereabouts of your subject.
Advanced Locate Investigation
This type of specialized investigation involves an extensive field
investigation and additional database searches to locate your subject,
when other database services have failed.
Surveillance
See Surveillance page
Contestable Death Claims
Involves investigation designed to develop information relative to
the insurability of the deceased at the time of effective date of
coverage. Areas of investigation include medical, financial, occupational
habits, and other outside interests.
Accidental Death Claims
Designed to determine whether the death resulted from injuries sustained
in an accident, altercation, sickness, and/or whether death occurred while
in the act of committing a felony.
Contestable Disability Claims
Investigation to determine information about the insurability of the
policyholder at the time, not the effective date, of coverage. Areas of
investigation include current activities, medical history, financial
history, occupational history, habits, outside interests, and other
disability coverage.
Legal Testimony
Appearance by investigative personnel at legal proceedings to support
developed or documented information.
Document Delivery / Retrieval Service
Provides you with convenient delivery of requested documents.
|
