Insurance Claims Investigations
Insurance claims investigations have been a core Frasco service since our founding in 1964. Today, Frasco supports insurance carriers, TPAs, self-insured organizations, and claims teams nationwide with surveillance, investigative interviews, research, fraud investigations, and specialty services. Our experienced investigators deliver timely, well-documented findings that help clients verify facts, evaluate claims, and make confident decisions.
Each insurance investigation is tailored to the circumstances of the claim, with investigative strategies designed to uncover relevant evidence while supporting efficient and defensible claim decisions.
INSURANCE
Insurance Claims Investigation Types
Different claims require different investigative approaches. Frasco supports disability, workers’ compensation, liability, and fraud-related matters with services tailored to the facts, risk, and evidence needs of each claim.
Disability
Workers' Compensation
As the leader in Workers‘ Compensation investigations, we provide everything you need to evaluate complicated claims including claimant and employer-level interviews, subrogation evaluation, hospital/pharmacy checks, scene investigations, clinic audits, and our full suite of additional services.
Liability
We have long enjoyed an excellent reputation of expertise in the areas of liability claim and fraud investigations handling various lines of insurance and providing services to gather decision making information, reveal coverage issues, and expose fraud and abuse.
For industry guidance on insurance fraud and antifraud activity, visit the National Association of Insurance Commissioners.
Need More Information or Ready to Assign a Case? Contact Us
Frasco Also Serves the Following Specialty Industries:
Self-Insureds
Mitigate high-dollar claims with focused investigations. Identify red flags, validate claim legitimacy, and gain actionable insights to support informed decisions and protect your bottom line.
Hospitality Claims
Protect your property and reputation by investigating incidents involving guests. Clarify the facts, determine legitimacy, and resolve liability concerns efficiently.
Psyche Claims
Gain clarity in complex psyche claims with focused investigations that assess legitimacy, identify patterns, and support sound claim decisions.
Warehouse & Manufacturing
Get clear facts for warehouse and manufacturing injuries, equipment incidents, and premises exposures. Support workers’ comp, auto, and liability claims with interviews, documentation, and strong evidence quickly.
Transportation & Delivery
When crashes, driver injuries, cargo loss or route disputes create uncertainty, we verify timelines, movement and contributing factors. Document driver actions and scene details to support fair liability decisions.
Construction
Document job-site conditions, tools, and work activity before details change. Clarify injuries, liability, and responsible parties across contractors to support confident claim decisions and recovery. On time, too.
Our Full Suite of Services
Surveillance for Insurance Claims Investigations
Surveillance
Our skilled investigators conduct surveillance for insurance claims investigations, documenting a subject’s public activity and movement through detailed video evidence.
Surveillance – Preliminary
Activities Check
Remote Observational Camera (ROC) Surveillance
When the presence of an investigator would cause suspicion, remote cameras are optimal. An environmental assessment is performed before cameras are placed. This option is effective when the time and location are appropriate.
Investigative Interviews for Insurance Claims
Interviews
On-site or online recorded interviews with subject, employer(s) & witness(es), to document details of environment, sequence of events and other relevant details related to the matter. Virtual option available.
Document Authentication
Validate the integrity of claim documents with advanced AI-driven analysis. Our document authentication service identifies signs of alteration, inconsistencies, and potential manipulation within supporting records.
Credibility Analysis
Evaluate interview transcripts with AI-powered credibility analysis that detects linguistic cues, behavioral patterns, and contextual inconsistencies to highlight potentially deceptive responses.
Alive & Well Check
Performed on specified basis to document subject’s or beneficiar(ies)’ health, medical treatment, next doctor’s visit, employment, disability status, home environment, and restrictions. Virtual option available.
Clinic Inspection
Verify existence of subject’s medical facilities, provider credentials, visit frequency and ID of personnel. The inspection includes photographs of the clinic and, when feasible, documentation of equipment present at the facility.
Scene Investigation
Gather details regarding the location and surrounding area where the incident occurred. Understand potential causes or contributing factors. Determine if guidelines, policy, and proper use of equipment were adhered to.
AOE / COE Investigations
Obtain statements, identify involved parties. Establish details of work-related incident, sequence of events, details of incident environment, credibility of those involved, and other relevant facts required to make an AOE / COE determination, including subrogation potential.
Subrogation Investigation
When a third party contributes to a claim, subrogation may provide an opportunity to recover claim-related costs. Services can include field investigations, interviews, record retrieval, and evidence collection.
Post-Investigation – Interview
In-person or virtual meeting with the subject focused on current condition and physical activities. Interview is specifically crafted utilizing results gathered during prior investigations to explore contradictions.
Post-Investigation – MPVR
An in-person or virtual meeting with the injured worker’s medical provider to review surveillance footage and determine whether the claimant’s observed activities contradict reported medical restrictions.
Research Investigations for Insurance Claims
Background – Foundational
County civil & criminal (10-years), addresses (10-years), judgment & liens, bankruptcy, business ownership, professional licenses, relatives, assets, driving records, vehicle registrations, property records, Workers’ Compensation & sex offender.
Background – Custom
Customized research supports focused insurance claims investigations through expanded background review and record retrieval.
Background – Business
Customized research useful for go/no-go decision, conflicts of interest, allegation vetting, negotiation leverage, competitor research, intellectual property disputes, and other decision making requirements.
SCORE Investigations
Three package options available combining basic and in-depth background investigations with either a social media investigation and/or a medical / pharmacy canvass.
Social-Med Check
Consists of a social media investigation paired with a medical or pharmacy canvass. This investigative bundle provides insight into a subject’s character, by revealing their online persona, and a holistic view of their treatment history.
Social Media
Our technology and trained experts mine relevant data across various channels; searches for relevant posts about incident and identify potential witnesses. Define geographic areas to filter posts at a specified time frame.
Social Media Monitoring
Standard package with monthly social media tracking. Recurring searches for subject’s social media profiles and postings after initial Social Media Investigation.
Social Media – Geo
Also known as Geo-Media or Geo-Fencing; searches for relevant social media posts about incident and identify potential witnesses. Defined geographic areas to filter posts at a specified time frame.
Medical Canvass
Determine if claimant has received treatment in a medical facility, may establish if subject has a prior history of injuries.
Medical Canvass – Pharmacy
Obtain dates claimant received prescriptions, including address and telephone number for each prescribing pharmacy.
Vehicle Sighting
License plate tracking as vehicle moves in public. Sightings obtained from traffic, street / highway cameras, as well as patrol vehicles. Results vary by location. Reports available for last 30, 60, 90 days.
Work Check
Establish employment history, includes address history, employment records, prior WC claims, civil records, social media search, professional licenses, business and corporation records.
Asset Search
Includes address history, real estate ownership, personal property ownership, civil judgments, liens, bankruptcy, vehicle, boat, aircraft, business ownership affiliations, and income indicators. Desktop only search available.
Locate
Utilizing a variety of sources to attempt to verify a subject’s most recent address. May include field work to gather information not available through database research and other means. Skip Trace also available.
Record Retrieval
Secure medical records, court documents and other agency records. Acquire physical evidence often used at trial, for documentation, and historical reference.
Process Service
Procedure by which a party to a lawsuit gives an appropriate notice of initial legal action to another party.
Specialty Services
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