Service
Insurance Investigations
Claim verification, fraud investigation and statements that protect your bottom line.
In 2015, Canadian property and casualty insurers paid out over $30 billion in claims - more than 61% of their total revenue. To protect such a large portion of their business, insurance investigations matter. Whether the claims are from the Life & Health or Property & Casualty sectors, T.R.I.O. is familiar with the nature and variety of claim investigations. We're efficient at finding the best resolution for each individual company and adjuster, and dedicated to protecting our clients' business interests from the losses caused by threats to their specific industries. Our focus is being the most advanced and current in processes and techniques - guaranteeing the ultimate in high-quality, evidential worth for mediations, arbitrations and trial applications. We take great pride in producing precise, factual and distinct reports relied upon by adjusters, examiners, and legal counsel across the province and country.
What's included
- Liability and litigation support
- Claims history (previous accidents / injuries)
- Claimant interviews and recorded statements
- Police and employer interviews
- Activity checks and sub-rosa surveillance
- Contestable and non-contestable death claims
- MVA injuries (Motor Vehicle Accidents)
- WSIB (workplace injuries)
- STD / LTD (short- and long-term disability)
Accident Benefits (AB) vs. Bodily Injury (BI)
Accidents happen, injuries do occur, and claims are made on a daily basis. For a variety of reasons, some legitimate claims are embellished - and red flags are raised by Insurance Adjusters or Examiners. Surveillance and investigations can be a valuable asset when the insurance company is setting up reserves in anticipation of potential settlement payouts under vehicle insurance policies. Knowing what the claim is worth can be ascertained by conducting surveillance to determine the claimant's level of activity and mobility.
False or exaggerated claims
Some claimants are not interested in returning to their pre-accident activities or employment, and attempt to make false claims such as IRBs, caregiving, housekeeping, etc., to maintain income under false pretenses. Surveillance and investigations provide the answers as to whether or not these claims are justified.