Category Archives: Investigation

Trustworthy Licensed Private Investigators

Many companies, whether commercial or social, hire private investigators for different criminal cases and cases of fraud. There are both private and government investigators, and licensed private investigators are the most reliable investigators.

Generally, a private investigator does not need to have a license. There are many states in which the license is not required, but there are also some states which make it necessary to have a license in order to work in their countries.

Some states hold an exam to get the license. A licensed private investigator can investigate any kind of case. There are different types of cases which need private investigation. For example, cases of matrimony, like cheating, fraud, suspicion over the spouse, etc. need investigations which can be kept secret.

Other cases of crimes in the field of insurance, business, murder cases etc. also need an investigator in order to find out the truth. There are many training centers for the training of investigation. One can do a professional course in the field of investigation and can acquire a license.

In the field of private investigation, there are people from military, police, federal services, and spies etc., who after their retirement take up this profession. This profession needs a keen observation power, an eye for detail, good communication skill, so that one can question suspects and can bring out truth from them.

A licensed private investigator can be hired by an individual for his personal cases, and can also be hired by a group to investigate in a certain case. These investigators collect data and different information related to the case in order to help you get the truth.

Relationship Investigations: Means To Test Relationships

Investigation can be done in any kind of matter, whether personal, civilian, criminal, corporate, judicial, matrimonial or in a relationship. Relationship Investigation can be done when the spouse and partners are suspicious for their other half.

There are a lot many investigation firms, which provides services for various kinds of relationship investigation. There can be many reasons for an investigation. Like, if the wife or the husband is suspicious for the other one, and is not able to keep the mind at peace, then the best way is to have an investigation.

There can be many reasons for an investigation: infidelity, unknown children, hidden assets, drug use, alcohol addiction, cheating partners, etc. One can also investigate before marriage about the background of the would be, one can investigate if the wife is having any affair or if the husband is cheating on his wife.

Sometimes it happens that you get suspicious about your husband, wife, boyfriend, girlfriend or partner , and then you are not in peace, because the intuition of cheating troubles you more and more. To have an investigation in the relationship is not a bad thing rather it brings back your lost sleep and peace of mind.

By Relationship Investigation, one gets to know about the state of their relationship, and if the other is on fault, then can take action against it rather than living in ignorance. It is not necessary that all the time the result is negative only, sometimes it happens that all the proofs prove the other one innocent and guiltless.

Every relationship investigation firm is trustful and does not leak the information. These kind of firms, rather help people to keep their relations alive and fair.

Need Of Claims Investigations

Insurance services are to provide security to people and their property, but some evils of society use these services illegally by deceiving other people or insurance companies for personal benefits. There are a lot of fraudsters in this field. And so are different claims investigations.

In insurance services the fraud is done either by the insurer or by the insured. Some evils make insurance of their lives and property and vehicles, and then make fraudulent claim for the insurance money. For example, they make an insurance of their property or vehicle, and then intentionally damage them to make claims for the insurance. Generally, they show more damage than the actual to acquire more money.

The fraud can be done in any insurance service, like life insurance, property insurance, automobile insurance, health insurance and many more. By fraudulent claims people act to get most of the advantages. This kind of fraud leads to a great loss to the company and the state economy. So there are firms, which provide claims investigations services.

They are expert and well trained people. They help insurance companies to handle these frauds. There are a lot many firms, which provide this service, and help both the companies and legal law to punish the fraudster.

The process of investigation includes:

Identifying fraudulent insurance cases
Research on activities and history of the fraudster
Searching evidences
Locating witnesses
Interviews with the fraudster
Analyzing evidences

The investigators work on different cases, like accidents, missing of the insured, damaged property, etc.
The cases varies as varies different insurance services.

Know What Is Surveillance Investigations

In the process of investigation of a certain case many things are included. There are different kinds of cases which need investigations. So there are different kind of investigations, like fraud investigation, insurance investigation, detective investigation, and surveillance investigation is one of them.

The Surveillance investigation includes observation of the culprit or the targeted one from a distance, and an eye on her/his physical daily activities. This kind of observation is very important for a criminal case. In a case there can be many suspects, so to find out the wrongdoer investigators need this kind of investigation.

It is not necessary that this kind of investigation is done in a criminal case only. It also helps the spouse who is suspect about the other. Sometimes it happens that you have intuitions of something wrong in the behavior or in the character of your spouse. Then you lose your peace of mind, and this troubles you a lot. In this case the best thing is to make an investigation. For your help there are a lot many surveillance investigators, who can help you to know about your spouse.

This job can be done on your own or else you can hire a professional of this field. In this process what one needs, are- cameras, video cameras and binoculars to see and capture physical activities of the person. The recorded data then can be produced in the legal procedure.

This type of investigation can be done in any kind of case, legal or private.

Know How One Can Steal Your Money By Credit Card Fraud

Credit card fraud is one of the most happening fraudulent. This is a mode of stealing somebody’s identity, bank account and money illegally. The purpose of this kind of fraud is to use somebody else’s money and identity for own purpose.

This fraud can be executed by various ways. The credit card can be stolen and can be used to transfer money in other account. This crime can be executed very easily, as it takes so less time to transfer information and money from one place to other. There is internet and ATMs to transfer money in seconds.

The other reason, of being this crime so easy to commit, is that the card holder does not get information about the treachery and till he gets information about it, the work is already done. Credit card fraud can be done in many ways, like the account number and the security code can be traced and copied in the stores where you buy goods. The stolen card can be used to purchase things online, as the seller does not know the identity of the online shopper.

Credit cards have account number, account details and some also have home address imprinted on it. The theft can use the personal data and information of the card holder to make his own account in the bank and for doing illegal things by this fake identity. The incident of Credit card fraud takes place mostly in the big stores, from where the card holder buys thins regularly. While getting payment of the bill by credit card, the store keeper can copy account number and can copy the code number of the card.

The card details and account information are taken long before the stealing of money. This way the card user has not a slightest idea about the future happening. One can prevent these kind of incidents by being alert about the card and its use. Lost of the card should be informed immediately so that it can be blocked.

Credit card fraud is most harmful and is most happening fraud all over the world. A lot of illegal money transfers are done regularly by this kind of fraud.

Know All About Computer Forensics

The literal meaning of the term ‘forensics’ is ‘to bring to the court.’ In investigation operations, the process of using scientific knowledge in collecting data, analyzing them and then presenting the evidences to the courts is called Forensics.

Computer forensics features elements of both law and computer science. Forensic, primarily, deals with analysis and recovery of potential evidences. The evidences can be in any form, like fingerprints left on things, files on hard drive to DNA evidences found from blood stains. In computer forensics the data is collected from computer systems, networks, storage devices and wireless communications. After, this data is analyzed and then is presented in the court.

In computer forensics two basic types of data are collected: and Volatile data. Persistent data is stored on a local hard drive and is preserved when the computer is switched off, like in CDs and pen drives etc. and Volatile data is stored in memory only. It exists in transit, which can be lost, when the computer either is turned off or losses power. This data, generally, live in cache, random access memory (RAM) and in registries. As this data is a transient one, so an investigators should know certain ways to get it.

In computer systems any data can be lost, either intentionally or accidentally, so to recover it there are many data recovery experts. Computer forensic is also such kind of process, which not only recovers data, but also can detect the cause behind this loss.

This device is useful in detecting cyber crimes. There are a lot many cyber crimes of different types. E-mail frauds, illegal use of computers in committing crimes, stealing user names and passwords, launching viruses, stealing documents and identities, these are some kinds of basic cyber crimes.

In investigating these crimes computer forensics play an important role. To execute this role experts need expertise in this field and need training. After collecting data and other evidences, they present these evidences in the court for legal procedures.

Know About Different Investigation Types

The process of inquiring into any matter to find the facts, through different research, discovery, study,observation, follow up or formal studies is called investigation. Investigation can be done in any field, generally it is done after some illegal happenings to find the culprit and the causes behind the act.

There are many investigation firms, which provide different types of services. There are both private and government investigation firms. Federal Bureau of Investigation is a government firm, it investigates in the illegal happenings and doings, this firm is an official one which does not work for general people. There are many other private firms, which you can hire for your personal investigation purpose.

Investigation types:

Criminal Investigation:
under this category comes the investigation related to different crimes. If an illegal action takes place, like murder, robbery, deceit, homicide etc., then the police and legal investigators come in action to find the fact behind the crime and to find the criminal. This type of investigation proceeds till the case is solved, the culprit is caught and is punished.

Corporate Investigation: this kind of investigation is done in a particular company or business group. Some business people hire their personal investigators to look after any kind of treachery in their company. All the cases related to the employee and the employer’s dispute, illegal action etc. are investigated by corporate investigators. The boss can have an eye on his/her employee by his/her personal corporate investigator.

Matrimonial Investigation: there are many investigation firms which help people to investigate in their personal lives. For example, if in a couple one gets suspicious about the other partner, then can hire these investigators to know the truth. If the partner is on fault, then the other one can take actions against him/her, and if the partner is not on fault, then the proofs can be used in positive sense to prove the innocence.

These are some of types, but the investigation can be done in any case of any kind.

Job Profile of a Claims Investigator

Insurance companies have their own insurance claims investigator to investigate claims made by policy holders.

A claims Investigator’s job description would usually entail the following:

Insurance Claims investigators gather background information of claimants and witnesses from the database.
Investigators may make personal visits to claimants and witnesses for any gathering information.
Investigators often undertake surveillance work to bring out facts about any claims.
They visit places of accident or loss for uncovering facts
They negotiate with claimants to make settlements
They develop connections with other legal or claims professionals
If they suspect fraudulent activity they may access personal information of claimants and witnesses like social security numbers, addresses, and phone numbers and so on to search for any history of insurance fraud.

On the event of questionable claims, they work with expert witnesses and attorneys to defend the company’s position.

Careers of a Claims Investigator may range from being an adjuster, an examiner, an appraiser and an investigator of claims made by policy holders. Although each of these has a different job profile, yet in many cases they are found to be having overlapping functions.

Usually employed by the property or casualty insurance companies, their jobs can be broadly divided in the following three categories;

Investigation of Claims

1. Negotiation
2. Settlement or Authorization of payments

In other words, an insurance claims investigator’s job is to determine whether or not the client’s policy covers the damages and how much is to be paid to the claimant.

Today businesses and individuals both need insurance coverage for protection of their assets and finances. There are a host of property, casualty, medical and life insurance companies in operation. In view of this, insurance claim investigator careers have immense growth potentials.

If you wish to be a part of the insurance industry then you must possess a logical mind with good numeracy and literacy skills, an outgoing and confident personality and above all negotiation skills. The job involves considerable travelling within the day to clients, witnesses, solicitors and other professionals. Most companies provide on the job training to the prospective claims investigators.

Insurance Frauds: An Illegal Way To Obtain Money

An act of obtaining payment deceitfully from an insurer is called insurance fraud. Insurance frauds can be as various as are different insurance schemes. In this kind of fraudulent the insured gets money by illegally exploiting his/her insurance.

An insurance fraud can be done in any kind of insurance. There are different kinds of insurances, like medical insurance, health insurance, life insurance, home/property insurance, automobile insurance. A person makes insurance of her/his property or health etc. in order to get compensation, in case if any kind of accident occurs.

By making a health insurance and life insurance, a man gets insured about his life or health, and if he gets any kind of physical harm and injury, the insurance company will pay for that. Likewise happens in the other insurances, like in automobile insurance a man makes insurance of his vehicle and, when any kind of accident happens and the vehicle is damaged, then the man gets money to repair it.

All these kinds of insurances are made to secure man and his property, but people take advantage of these insurances in abominable ways. Insurance frauds started with the different insurance schemes. Unlike other illegally ways to obtain money, insurance fraud is an invisible one. Robbery, theft and other kinds of frauds can be detected easily, but insurance fraud can not.

This fraud can be very small one and very severe too. Generally people destroy their property in order to get insurance. Some frauds have small property but show big, and then destroy it in order to get a large sum of money. In automobile insurance they do fraudulent by telling more injury to the vehicle then the actual.

All these frauds harms the insurance companies and the economy of the country.

Health Insurance Claims – Health Insurance Claims Nuances

Health Insurance

Health insurance is an important part of modern day life. With increase in the rate of ailments related to the heart, kidney, liver and various other parts of the human body the cost of treatments as well as the cost of medicines have reached stupendous limits. It is here that various health insurance plans come of great use to human life – by providing a necessary relief of meeting the costs at a time of urgent need.

Health Insurance Claims

Health insurance claims are the claims made by insurance policy holders for the payment or reimbursement of medical expenses from the insurance company from which they have taken policies.

Health insurance plans work on a system of the payment of premium or a fixed amount for a certain number of years. Against this the insurance company pledges to take care of all your medical bills both before and after the date of your premium payment until the maturity of the plan. Sometimes these are also life time plans that continue to provide financial assistance for medical purposes for life.

Main Aspects of Health Insurance Claims

Despite the apparent congeniality of health insurance companies and their plans that you may have selected for your benefit there are certain aspects of health insurance claims that you need to be clearly aware of. This will safeguard you against any rude shock of non approval of your claims even after you have paid considerable premium amount.

Benefits of the Medical Plan – This is a list of all the areas of treatments that the medical policy will cover. A close scrutiny of this document is very important. It will help you to understand whether the said plan will be beneficial for your type of ailment or age group at the same time.

Procedure of Claims – It is very important to understand and know the various procedures of claims and payments. This is usually a long document and needs to be read carefully and marked as well for future reference.

Cashless Services – A very important understanding needs to be there about the type of insurance coverage you are opting for. There are policies that allow cashless services where you do not need to spend anything from the initial stages itself. Then there are those policies where you need to take care of all expenditures yourself and you are reimbursed later upon submission of all bills, invoices and receipts. These are processed and verified after which you are paid the entire amount.

Health Insurance Claims Processing

An important part of health insurance policies is the part where you have to claim for the medical expenses incurred.

Time and Schedule of Claims Processing – You have to be sufficiently aware of the time when the claims processing details need to be submitted.
Details of Claims Submission – You have to be clearly aware of all the exact documentation that needs to be submitted for the claims.
The Claimant – You have to understand clearly as to who will be the claimant for the claims procedure. There are claimants who think that doctors and hospital management will apply for the claims when in reality it is they who will need to do it.

Health Insurance Claims Adjuster

Health insurance claims adjuster are those people who work for claimants and insurance companied within the framework of certain governing laws. Their work is to investigate the claims made by individual claimants and then initiate the payments to the claimants.