Managing an auto fleet within a Captive insurance program comes with a unique set of challenges: rising claim costs, questionable liability, extended claim durations, and the ever-present risk of fraud. This is where Frasco Investigative Services can help. We not only investigate, but we also provide our clients with the unbiased facts they need to defend insurance claims and optimizing outcomes.
Why Investigations Matter for Captive Auto Fleets
Captives exist to control risk and contain costs. However, even a single inflated or fraudulent auto claim can skew loss ratios. Many teams view investigations as a reactive expense; in reality, these services operate as a proactive investment that strengthens decisions and, ultimately, reduces spend.
Here are a few ways Frasco helps Captive members with Real-World claims impact, turning investigations into impactful ROI:
1. Vehicle Locator identifies movement.
We use vehicle locator tools to map where a driver traveled over the last 30, 60, or 90 days.
Example: A fleet driver receives a “No Driving” restriction and remains out of work for months with no status change. Then our locator shows his truck on the highway and parked in an open lot four nights a week. Consequently, our team deploys surveillance based on the locator data and documents the injured employee driving for another company.
As a result, SIU reporting and physician discharge stop unnecessary benefits.
2. Surveillance That Tells the Truth
Our licensed investigators conduct discreet, targeted surveillance to verify injury claims, whether the subject is a driver on modified duty or a third-party claimant.
Example: We observe a claimant on total disability performing hours of lawn work. Therefore, the carrier denies the claim and recovers paid benefits.
The ROI Is Real
Frasco clients consistently report the following results:
-
Faster claims movement
-
Lower benefit payouts on claims involving soft or hard fraud
-
Stronger subrogation outcomes
Most importantly, claims teams gain confidence in each decision because evidence clearly supports next steps.
Why Captives Choose Frasco
-
Nationwide coverage ensures quick deployment wherever your fleet operates.
-
Dedicated Captive program support keeps communication clear and responsive.
-
Custom reporting and analytics translate findings into action.
-
Compliance-driven, court-tested methods protect evidence and credibility.
In short, we don’t just investigate—we partner with you to mitigate risk and drive measurable value.
Ready to Drive Down Costs?
Schedule a call with us to discuss how Frasco can support your Captive Auto fleet with tailored investigative solutions that create financial savings for your program.
Disclaimer: This blog post is for informational purposes only and should not be considered legal advice. Please consult your general counsel for specific legal guidance. Frasco investigators are licensed, and our operations comply with US industry, federal, state, and local laws.