Your Guide On Insurance Investigators

A lot of people and big business houses purchase insurance policies to insure valuable and costly objects against any kind of monetary losses. When some loss occurs, the policy holder claims or makes requests to get the insured money as a compensation for their loss. This is where people like claims adjusters, examiners, appraisers and investigators step in.

The adjusters and examiners investigate into the claims, make settlements, and authorize the payments. The appraisers make an estimate of the value of the item that is insured. The role of an insurance investigator is the most vital one because he has to review cases that pose chances of fraud or any misconduct. In this whole process, the job of investigator is the most challenging , attractive as well as demanding.

In many cases, the functions of the all these people becomes intermingled. But in the usual process, whenever the examiner or adjuster suspect mixed feelings in a case, they simply refer it to the insurance investigators. Note that the severity of a fraud can vary differently. Sometime there may be a staged accident, a false disability claim and sometimes even unnecessary medical expenses.

Therefore, an insurance investigator must complete a background search of the claimant as well as the witnesses. He must also check social Security numbers, drivers license numbers, aliases, addresses, criminal records, phone numbers, past claims histories, and medical records etc. Then the investigator records the sentence of the claimant. He may also examine the doctors license from which the claimant is getting treatment if any suspicion arises. He may also perform surveillance work in cases where the claimant applies for a disability benefit. This is actually to confirm whether he is really disabled or not. If he suspects any activity that goes against the condition stated, he may use it as a evidence in the courts also.

Working hours of an insurance investigator is quite irregular. This is because he has to make surveillance and meet people who are not available in the normal working hours. They may be required to work in the early mornings, late evenings, on weekdays and even on holidays. In few cases, he can be in the office like when he prepares databases or writes reports.

Regarding the educational qualification, there are no strict rules. But insurance companies prefer people who have some legal background. Even people who possess experience as examiners and adjusters are eligible to work as insurance investigators. The necessity of a license depends on the area in which an investigator is working.

In terms of qualities, an insurance investigator should be have a razor-sharp analytical mind. He should also be daring, assertive, with an eye for minute details and good communication skills. The salary of an insurance investigator varies with the reputation of the company and also the relevant experience of the investigator.

Insurance carriers, brokerages, agencies, private claims adjusting companies are the type of companies from which an insurance investigator normally gets his job.

What It Takes To Become A Private Eye?

A private detective agency or a private investigator is also referred to as a private eye. A private eye collects information for his client. This information is generally for a corporate body or an individual person. These people are not in any way related to the government or the military and police.

The areas in which a private eye generally deals are as follows – * Surveillance over a person like the spouse or the husband due to suspicion of an illegal affair. * To find a lost person. * Find proof for divorces. * Find background of employees that a company wants to recruit. This can include medical history, criminal history, employment history as well as civil history. * In cases of child dispute, gather evidence of whether the guardian is fit or not. * Maintaining security of well known personalities like singers, actors, players etc. *Collecting evidences for law firms. * Internet monitoring and surveillance.

There is no end to the number of activities a private eye can do. But there are certain things that a private must have in order to be on the run. First of all, a valid license is essential. Then a bond or an insurance cover is also important. This helps so that if anything is damaged like cars, house and so on then the client isn’t exposed. These two things are very essential to attract clients as well.

Working conditions of a private eye can vary from case to case. A private eye might be working in a plush hotel for sometime. Then the next month, he may have to work in a shabby bar. Working hours too are erroneous. Because a private eye has to meet people at odd hours, normal working hours dont count. A private eye usually works during early mornings, late nights, on weekends and on holidays. Although this job is exciting and challenging, there may be physical confrontation also.

Income of a private eye is very irregular. Sometimes you have to sit for weeks without any work. So you should be prepared to adapt to this situation. Living with low income in the beginning is an aspect for you to consider.

To become a private eye, you do no need any special degree. People who have a degree in criminology, psychology, and police science have a good advantage over others. Most of the people who join this field are either from the police, the military or insurance claims industry.

To become a successful private eye, you require some inherent skills in you. You need to be daring; you should have an eye for detail; good communication and reasoning skills are a must. Also, you need to adept in photography, forensic sciences and comfortable with the computer and fax machines.

Private Detective Training

A private detective training teaches you the basics as well the tips and techniques that are necessary to become a successful detective.

To become a private detective, you do not need any kind of training. The essential qualities that you need are: attitude, observation and quick analytical ability. With the increasing use of technology and other manipulative means by the corrupt people, detectives now need to more smart. That is why private detective schools have designed their training courses in such a way that detectives can deal with all kinds of crime – minor and major- as part of their training beforehand.

What is the eligibility to get training as a private degree? Generally people from all fields of study can get enrolled for the training. But people with graduation degree in subjects like criminal justice, law, criminology, psychology would have an added advantage.

What is the length of a private detective training?
Length of a training period can vary from 30 days to 9 months. This also depends on the structure of the course and the convenience of the person taking the course.

What is taught during a private detective training? Everything a private investigator needs to know is taught as part of the training program.

The first thing that they teach is how and where to get information. Because a detectives primary focus is to collect information. They prepare you with tips to collect information and thus, save your time.

The second thing that they teach is how to conduct undercover investigations. Being a detective, you have to conduct many undercover operations. You will receive specialized training for this coupled with materials and case studies of famous undercover operations.

Another thing that they teach is how to conduct interrogations and interviews. During the course of the training, you would be taught how to act with the hostile suspects and victims. You will be trained to conduct interrogations in the proper manner.

During the course of the training, you will also be taught how to procure license from the regulatory body in conformity with state laws. They also will teach how to easily pass the exams required to get the license.

During the course of investigations, the detective has to often write reports on the observations they make. These reports are subject to legal scrutiny also. Training schools also deal with this aspect. They impart training on how to write the reports so that everybody is convinced by the reports.

Training schools teach you how to preserve the evidence. Evidence can be of any form, in paper or soft copy or a diary or a persons testimony. This part is very important as a part of a private detective training.

A private detective training teaches you to efficiently use all the instruments that a detective uses in the course of his operations- computers, fax machines, pagers, camera and video camera.

Private Detective Schools

Private detective schools are those which teach the high school students or college graduates the basics and the techniques to become successful detectives.

Most of these schools offer online or mail courses. In the online environment, they get a virtual classroom atmosphere with all types of facilities which a school going student has. There are message boards where you can post your queries. Your queries are answered by the faculty and sometimes by members of reputed faculties also. Students receive challenging assignments, feedback and reports via this medium only. Instructor and students can interact using videoconferencing lessons or chat sessions. Most programs of the private detective schools can be completed in 9- 10 months. But the schools offer flexibility to its students and thus stipulate a time period of 2 years to finish the course.

A private detective school teaches a person the basics and the techniques to excel in this field. One of their primary focuses is to teach you on how and where to look for information. You learn to analyze what is reliable and meaningful to you. Thus, it teaches to save time while investigating. In the actual job, this is the first thing that you will do find information.

Private detective schools teach the students how to conduct an undercover investigation. In online courses, they will provide you with books on undercover investigation whereas in on-campus schools, you would be given practical training.

Thus, schools will teach you how to conduct interrogations and interviews, with emphasis on how to interrogate a hostile suspect or witness and how to interrogate in a friendly manner. In many cases, a private detective is required to document written confessions accurately. The schools will teach you how to prepare a legally valid confession and how to use it for defending and also prosecuting somebody.

In addition, a private detective school grooms you to undertake investigations in a professional way. You learn how to write reports during investigations in a proper and accurate way. Sometimes reports of private detectives may have to go through legal scrutiny. So training in these areas are crucial to fortifying competence as an investigator.

The course structure of private detective schools consists of sharing information and knowledge solutions in the following areas:

1. Data bases, surveillance equipment, Internet research, and surveillance technology. 2. Fingerprinting 3. Legal issues, security, records on birth, death , marriage. 4, Conducting undercover investigations. 5,Incarceration, DNA samples, forensic sciences 6. Basics of taxes, 7. Basic legal principles of privacy, 8. Firearms safety, 9. Using a photo camera and video.

After graduating from schools, students who aspire to become investigators often go ahead to join a private detective agency to practice on their own. The rare student opts to always have a competitive edge over the others and opts to be trained in a training school. While some go a step ahead to study criminal justice, psychology or other such type of subjects for enhancing their knowledge. In spite of the degree that you get, remember you need to pass an exam for getting a license to start your investigations.

Private Detectives: A Quick Overview

A private detective is a person who conducts secret investigations for a person or an organization on payment of a particular sum of money. The person or the organization that a private detective works is usually not related to the government, military or police.

A private detective can work for an attorney, a corporate firm, a famous personality, or an insurance company and even for a simple person. The magnitude of work for a detective is quite broad. To work as a private detective is quite exciting, thrilling and challenging. But this job involves physical confrontation at times. There is always a chance of danger in this field.

Regarding the training and education to become a private detective, there is no specific academic degree. But you can get training in a private detective school to help you grasp the nuances of your role and the job. This way, you begin with an added advantage in learning the tips and techniques quite early. It will come in handy during the course of a particular project. Moreover, most of the training schools provide physical training sessions in undercover investigations. They also train you to use various gadgets and instruments that a detective uses. If you are student of psychology, criminal justice, criminology, political science, than you definitely have an upper hand in this field.

In the case of corporate investigations, the clients often prefer investigators who have a graduation or a masters degree in business.

The working condition of private detectives is quite irregular. Because detectives have to meet people at odd times, they often have to work in the weekends, holidays apart from early morning and late nights.

The nature of work also varies according to the client. They may be asked to assure the security of a famous personality like a singer, dancer, or actor. Sometimes they may be asked to follow somebody’s wife and husband to check for evidence of adultery or any other illegal relationships. They may even be asked to assist an attorney in collecting facts and evidences either to prosecute or save a person. In many cases, they are asked to collect background information on the employees that a company hires. A private detective may also be hired to find the actual culprit in cases where the client feels justice was not done by the legal authorities.

In most of the states in order to become a private detective, you need to have a license. In some states you might just need some years of experience under a good detective.

The salary in this field is nothing rosy to begin with. Sometimes you might be flooded with work and sometimes you might have to sit idle for weeks at a stretch. There is no fixed income in this field. The beginning is usually the toughest and most disappointing phase in terms of pay. But if you prove your worth in your work, you will earn yourself a good name, lots of fame and pots of money, all at one go!

Investigator Employment

An investigator is a person who collects information and evidences on behalf of his client. This client can be a corporate body or a private individual. Employment in this sector is quite large and also easy to get. This is because of the growing number of crimes and criminals in the world, people who are competent to deal with this are less in number. Another reason it is easy to get a job is this segment is because formal or professional education as in other professions is not required.

What are the positives and negatives for seeking employment in this sector?

The greatest plus point about investigating is the challenge, sense of thrill, adventure and excitement which brings immense job satisfaction. You also get name and fame quite quickly in this profession.

Regarding the negatives of this profession, there are many. There are no formal working hours because you will work mostly in the early mornings, late nights, on holidays and weekends. There is no fixed salary or pay. Often you have to begin with a meager amount and sometimes without enough work. But that changes as you prove your worth. Then you can name your price because this job also involves a great amount of danger to your life.

What are the required qualifications to apply as an investigator?

As stated earlier, there is no strict degree required. But still a graduate degree in subjects like political science, criminology, criminal justice, psychology can help. Many training schools have come up. These would provide practical training on various aspects of investigation. A certificate from a training school brightens your chances of getting employed soon.

Also before going for employment, check for details on the license requirements in your area. In most of the states in the U.S., you need a license to work as an investigator. In several places, you need some amount of experience under a good detective. Strangely in some places, none of this required and you can get a license without any such requirements by just sitting for an examination.

What are the areas that one gets to work?

The work of an investigator spans a wide canvas. It can vary according to the requirements of the client.

Below are some of the specific types of areas that an investigator gets to work in :

A famous personality like a actor, singer or sportsman often employs a investigator to see if there are any threats to his life. An investigator is expected to work undercover and detect plans and also thwart any plans of harm to his client.

An attorney also takes the help of an investigator to look for evidences and witnesses. An investigator is expected to learn all facts relating to the case in order to help the attorney. He may also have to present his observations and reports before a court.

Investigators are employed by individuals to check for any proof of adultery in the personal lives of individuals.

In many insurance companies, investigators are employed to see if the claims made are true or not.

With new kinds of crimes and new types of criminals, the demand for private investigations will reach an all-time high. The job prospects are immense, the job satisfaction simply awesome. For those who want an adventurous profession, this is definitely the closest you can get.

How To Hire Private Investigator?

Private investigation can range from checking whether your spouse is loyal or not, performing background checks of your employees to catching an international criminal also. The possibilities are actually endless. The investigative work is often done secretly. Because of its secretive purpose, it is essential to maintain secrecy at all times when you hire a private detective.

Following are some of the tips that can help you to decide how to hire a detective or a detective agency:

First of all you need to check whether the detective agency has any license or not. In most of the states, it is mandatory to have a license to conduct any private investigation. Also confirm whether the license is valid or not. You can do this asking for a license number. Then call the state licensing authority and find out whether that license number is still valid or not.

Always clarify beforehand that you need a contract just like in any other occupation, defining what information you want from him. If this is not acceptable to him, simply search for another agency.

You need to confirm how many years of experience the detective agency has. Avoid opting for an agency where the detective is a retired personnel from the military or police and has opened an agency for mere survival. Even if the fee is cheap, avoid it. Also do not opt for a detective agency where the detective is just 20 year old and a fresher right after graduation. You should do a proper research on the background of the detective and also his success rate and reputation before choosing one.

A good source of determining whether the detective agency is good or not is through the media. Often good work of the detectives gets published. Look for articles on these with the help of the Internet. Also many statutory or registered bodies like Certified Legal Investigator (CLI), National Association of Legal Investigators (NALI), and Association of Certified Fraud Examiners (ACFE) give special recognitions and certification to those who have excelled in their areas of specialization. So look out for this also.

The detective agency where you intend to go must be insured or must have bonds. In many a cases, it is seen that if some damage to some property like the car or a building occurs, the one who employed the investigator gets exposed. So take notice of this pertinent fact also.

While hiring an investigator, you must be ready to handle all the questions from his side also. The reason why you want to employ an investigator should be clear. You should not hide anything from him. This is important as in many cases it is commonly seen that detectives were also used for wrong purposes.

Clear all your queries on the amount of fees as well. An investigator usually charges on an hourly basis plus the reimbursement of the expenses incurred during solving your case. Reimbursement expenses generally include, hotel bills, airfare, vehicle rental, tolls, gasoline, telephone calls, payments made to sources of information etc.

With all the information you are now armed with, there is no need to worry. Just go ahead and search for your investigator.

Become a Private Investigator

A private investigator is a person who makes secret investigations and collects information for a person or a organization. Usually the clients are not related to the government or the police. That is why investigators can work on a variety of areas. It can be for a defense attorney, for an insurance firm and even for personal matters.

Now to become a private investigator, most importantly you require some specific personal traits. You need to be daring, persistent, with inquisitive and good reasoning skills. It would be an added advantage to be organized and have good communication skills.

Below are some of the tips that can guide you further to become a private investigator:

* First of all you need to search for the agency in your respective area that regulates private investigators. Then you need to ask them how to procure a license. This is required because in many areas, state governments had made it mandatory for those who apply for a license to work under some private detective agency or some experienced investigator. But in some areas, you just need some paperwork about your background and employment experience to get the license.

* Although no form education is required to become a private investigator, there are some subjects and areas that you should be comfortable with to become a successful private investigator. You need to study the general legal practices of your area and possess a good knowledge of civil procedure and criminal justice. You can even study on your own by researching in a library. Reading on the following areas would definitely help you in your detective profession – Rules and Regulations of Private Investigators, Burden of Proof , Prosecution and Defendant, Preponderance of evidence v. beyond a reasonable doubt, Personal Injury, Attorney Client Privilege, Preservation of Evidence, Witness testimony, Rules of Evidence, Forensic Photography etc. Also there are many private detective schools that give training and also help to get a license. But ultimately, the main factor that determines how much you excel in this field depends on your hunger to do your best and sharpen the investigative skills which you have.

* You need to be aware that private investigators are paid very irregular and sometimes can be less than what you expect. So to pursue this career, you should be prepared to live on a low income at the beginning.

* You need to be adept at using the following as the tools that you would require at every stage of your work car, fax machine, computer, a telephoto or camera lens, and a video camera. If you work in a detective agency then they would have all these. But the point is that if you possess all this beforehand, it will magnify your skill.

California Investigators

California is one of the richest countries in America. The region is every mans dream: flooded with gold, agricultural produce and also mind boggling revenues from the film industry. Yet, is the center point of illegal immigrants from all over the world. Because of this problem, it is considered as the hotbed of many illegal activities. Due to this fact, California is one of the states in the U.S. which has the largest number of investigators. This is a well known fact throughout the world.

Investigators in California performs a variety of actions, They chase after hardcore criminals, they check background investigations of employees of big corporate bodies, maintain security of famous personalities, do undercover surveillances in personal lives for any traces of adultery, and even check insurance claims. Simply put, they deal with every aspect of private investigation.

To work as a private investigator in California, you need a valid license. The Licensing Division, Bureau of Security and Investigative Services is the body that issues licenses to the investigators. Issuing licenses takes place only after properly scrutinizing the documents and conducting a test that the applicant is required to pass to get the license.

Locating a good detective in California is quite a task. Following is a list of some prominent detective agencies in the state of California. This will help you in locating a good detective quickly:

Alias Confidential Investigations: With over 20 years of experience, this agency has detectives over the whole state of California northern , southern and central California. This agency is a member of popular investigative associations like California association of licensed investigators, private investigators in California, world association of detectives. Investigators from this agency have a specialized approach to time management. The USP of this agency is clear: you do not have to wait for years for a case to be solved.

Banks Detective Agency: comprises of a professional team of detectives who were previously experienced as law enforcement officers. The agency is specially concentrated in the southern part of California. It deals with all types of cases. It spans infidelity, surveillance, civil and criminal matters, locating people, internal workplace matters, background checks, debugging, criminal defense, business related issues , undercover operations. The offices remain open throughout the week and no charges are taken for the initial consultation.

Cal-State Recovery: This is another prominent detective agency which is located in southern part of California. With over 35 years of experience in private investigations, it deals with cases background information for insurance companies and also matters relating to law firms and private individuals. This agency works fully under the rules and regulations.

Apart from the above mentioned agencies, another useful way to search for investigators in California is by using the media and Internet. This way, you can also access articles and reviews on the performance of the detectives to remain informed about the quality of a particular detective agency or detective.

Are You Looking For Private Investigation Jobs?

Private investigation is a job that involves collecting information on behalf of a person or an organization. This person or organization is in no way connected to the government, police or military. The magnitude of a private investigation job is quite large.

Following are some of the jobs that a private detective is usually asked to perform:

A private detective job may involve maintaining the security of a famous celebrity like a singer, actor, sportsman or any other well known personality. He may not need to directly act as a bodyguard. He may work undercover to see if there are any plans to harm the person. Sometimes he may be required to foil such plans.

In a lot of legal cases, a private detective might be asked to do a special job. He is asked to gather evidence or interview witnesses as part of defending or prosecuting somebody. He may also be required to present his reports and observations on the case in a court of law.

In a lot cases, a detective is employed by either the husband or the wife to check if any adultery or illegal relationship is evident. This is one of the more common areas where a private investigator is employed. Here he may be required to also produce evidence of his observations. Evidence could be in the form of photographs, letters, and so on.

In many private companies, a private detective is employed to make a background search of all the employees that it hires. The background search may involve information. Information may relate to the medical, criminal, civil history of the employee, scope for duplicity in identity and phone numbers etc.

What is the eligibility for a private investigation job? There is no formal degree required to get a job as a private detective. A degree in law, criminology, or political science will be an added advantage. In some areas, you need to have a valid license to be a private detective. Also, there are many private detective schools that teach the basics as well as the tips and techniques to become a good private detective. A certificate from such a training institute would help in getting a job quickly.

Where should I look for a private investigator job? Open the yellow pages or your telephone directory, note down all the telephone numbers of private detective agencies and call them. Search the Internet too.

Alternatively, you can also start a private detective agency of your own with a little help from a senior detective who could be your advisor.

What is the working condition like in a private detective job? A private detective job involves a lot of struggle. You need to work at odd hours and also at strange places. In a lot of cases, you confront hard core criminals also. There is no fixed salary that you get in this job. At first, the payment may be a very meager amount. But with time, you gain name and fame. Then there is no limit to the amount of money you can earn.

This is a career with thrill, adventure and uncertainty. For those who aspire to enjoy life and its mysteries to the fullest, there is no other career that comes closer than this!