The investigation of insurance claims has been a core service offering since the beginning. Frasco is one of the largest and most well-respected investigation companies in the US. We provide a full spectrum of insurance claims investigations, have earned an exceptional reputation within the industry, and have built an extensive client base over more than five decades. We credit our success to consistently providing responsive customer service, thorough investigations, and high quality results in a timely and cost effective manner.
INSURANCE INVESTIGATION TYPES
Disability
We work with many of the nation’s largest disability carriers to obtain information regarding alternative employment, physical activities, financial status, concurrent policies, and possible motives.
Workers’ Compensation
As the leader in Workers‘ Compensation investigations, we provide everything you need to evaluate complicated claims including full AOE/COE, employer-level, subrogation, hospital/pharmacy checks, COD Statements, scene investigations, clinic audits, and our full suite of services.
Liability
We have long enjoyed an excellent reputation for its expertise in the areas of liability and fraud investigation including auto, premise, homeowners’, product, statements, scene investigations, coverage issues, fraud and SIU.
Our Full Suite of Services
Surveillance Services
Surveillance
Our skilled investigators perform detailed observation, closely monitor, and follow subject movement to provide video recordings of the subject’s public activity.
Surveillance – Preliminary
Preliminary investigation; verification of subject’s info (address, phone, e-mail, ID, social media, license plate tag, background); satellite map review to identify where surveillance will begin.
Activities Check
A tool to establish a subject’s physical activities, employment status, and the potential for successful surveillance. This service is performed by an investigator on-site at the location.
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
Interview
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.
AOE / COE Investigation
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.
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.
Subrogation Investigation
When a third party contributed to the cause of the claim, subrogation may be an option for recuperation of claims related costs. Field investigations, interviews, record retrieval, and evidence collection.
Clinic Inspection
Verify existence of subject’s medical facilities, provider credentials, visit frequency and ID of personnel. Inspection includes photographs the clinic and, when feasible, documentation of equipment present at 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.
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
In-person or virtual meeting with injured worker’s medical provider to review surveillance footage to determine if claimant’s activities contradicts restrictions.
Research Services
Background – Basic
A quick and limited person-research database report that includes analysis, summary, and recommendations for additional research based on findings.
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
Completely customized for a focused and more extensive investigation in time and scope; securing of records.
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 Investigation
Social media and online search, property records, addresses, judgment and liens, bankruptcy, business ownership, professional licenses, relatives, county civil & criminal (10-years online).
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
We will securely manage vendors on your behalf, assuring quality is our top priority.
We provide a programmatic solution to your organization’s SIU requirements.
We specialize in investigative services to assist in mortgage purchasing decisions.
We offer services internationally from our headquarters through our global network.
We deliver general & private complimentary CE-credit training presentations.