Saturday, 16 August 2014

Claims Undertaken By Insurance Fraud Investigator Philadelphia

By Linda Ruiz


It does not matter if you have being forced by difficult economic times to commit crime. As the common adage states, ignorance of law is not a legit defense and, hence, you have to be sued and penalized accordingly. In Philadelphia, PA, though many white collar crimes have being report, insurance fraud has stood out to be quite rampant. As a result, companies have been swindled and many fraudsters have found themselves behind the bar.

To decode if a transaction is fraudulent could be a hard nut to crack since some fraudsters are quite cunning. It is only a person who is good in people skills, meticulous to detail and has an inquisitive mind that can crackdown the unscrupulous deals. Such a person will follow the proceedings of the claim carefully and draw the right conclusion. Therefore, for a reliable insurance fraud investigator Philadelphia residents should seek the hand of staffs in the fraud section of the attorney general or renown investigative entities.

Since 1990, the legislature in the state of Pennsylvania considered this fraud a serious crime and provided stiff penalties to be charged on the perpetrators. Offences to do with this type of hoodwinking carry varying civil penalties depending on several provisions of the Pennsylvania Insurance Fraud Statute. The first offence carries a penalty of $5,000, the second involves $10,000 and subsequent offenses will call for $15,000 each.

It is the responsibility of every citizen, however, to report any sort of fraudulent dealing. Taking into consideration that premiums are increased whenever more investigation affairs are undertaken, one has a duty to report the crime in order to reduce costs of cases. At least a percentage of the premium is reserved for these investigations and less will be reserved if the crimes reduce and more citizens report it.

Fraudulent deals also come back to haunt citizen since they indirectly influence the cost of services, goods, health care as well as business expenses in a negative way. After all, the reserved cash can be used or saved for other productive roles. Incredulously, this type of crime keeps on going up and up and this means that premium and other costs will also increase. It is for this reason that every person has to report the crime immediately it is noticed.

This sort of fraud is experienced is almost every field of insurance. It can also involve any person involved in lodging a claim. This is why is not uncommon to see an agent sued and convicted, a policeman involved, a staff in the company in the mix, doctors, lawyers and many others. The investigator should, therefore, investigate whether all parties were involved and report those culpable.

Most fraudsters find a soft landing in auto mobile insurance. When it comes to car theft, they hide the car or make sale out of it and claim compensation. When it comes to accidents, they stage manage it and collide with doctors and police to place some runners in the report.

Health care insurance is the other policy that has not escaped the minds of fraudsters. In most cases, the doctors are held culpable of billing for services they did not undertake or overstating their bills. Generally, there is no any field of insurance policies that can escape the eye of fraudsters. They look for every opportunity to hoodwink the companies and that is the primary reason that calls for a fraud investigator.




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