The investigative approach:
The claim investigator will seek to “reconstruct” the loss. In order to do so they will typically follow a systematic approach along these lines:
1. Incident Overview
The investigator will begin simply by compiling a short summary of the event that includes the claimant data, type, date, time, location, and brief description of the claim.
2. Claimant Interview/Statement
The claimant or insured person as well as the driver of the insured vehicle will be asked to make a statement, either verbally or in writing. This statement might even be recorded and entered into the investigation report.
3. Documentary Evidence
In many cases, a claim investigator will ask to see documentary evidence related to the claim. For example, the police report, receipts, invoices, and estimates for the repair of the vehicle. (If not provided from the insurance) Our investigator’s job is to scrutinize the evidence to either justify the claim or identify potential alterations or falsifications that could indicate a problem. This will all be relayed to the insurance company via an Investigation Report.
4. Documentary Evidence
Our Investigator will go to the accident scene and take photos and do an inspect in loco, if possible with the driver of the vehicle.
5. Witness Statements
Statements from people who may have witnessed details or incidents related to the claim will be called upon to give their statements. This is considered a critical element of the investigation as witness reports are “fact-checked” against the statements and evidence collected above. Discrepancies here can lead to additional investigative probing and the need for substantiation. Interviews with witnesses to the accident, passengers in the vehicles involved are used to help determine fault.
6. Case Report
As the final step in a claim investigation, the report highlights the most compelling facts of the case. The investigator does not typically offer an opinion in these reports; only the facts and findings. The report is therefore vital in cases of disputed facts and questionable evidence as it will help the insurance company make a final determination as to their next move in handling your case.
In a claim investigation, preparation and cooperation will go a long way. They critically analyse all evidence relating to a claim; and they report on factually supported conclusions without justification of a preconceived result.
Personality Traits
Our investigators have a combination of analytic and people skills to succeed. They know where to find the information that they need and how to get it. They are able to persuade other people to cooperate with their investigations, even when they have no compelling interest to do so. They know how to interpret the data that they uncover, and draw its relevance to the case at hand. Also they have the following skills:
• Exceptional interpersonal skills and can be very inquisitive
• A sense of mutual respect and fairness and highly value ethical behaviour
• Good decision-making skills and work well within a team
Our Investigators resume’s exist of :
• Forensic Investigator
• Forensic Fraud and Corruption
• SAPS Crime Intelligence and High Profile cases
• Organised Crime
• Investigation of Crime
• Law policing
• Criminal Law
• Claims Assessor
• Consulting/Special Investigations
• Accident investigations
• Special Investigations Unit
• Criminal Record Centre
• Fraud Examiner/Investigations
• Loss Adjuster/Investigations
• Vehicle theft Unit
• Crime Prevention Unit
All the members of our team came from a SAPS background. Ranging from Detective to Captains. They all have from 10 to 31 years of experience in their fields.
We do the Investigations as our core business on daily professional bases and do have adequate and knowledgeable personal to effectively do the job.
Our extensive reach and indisputable expertise affords us the chance to offer you value-added services in all aspects of the insurance industry.
Our investigators are well-versed in all manners of claims, assessments, verifications, investigations and are trained to provide you with rapid results.
We offer a Professional, yet simple approach:
We have branches in Gauteng, Pretoria, Cape Town, East London and Durban, Bloemfontein and Polokwane.
Our accident investigation service is highly professional, fast and cost effective.
References: Riskslip, Recoverex, Western
In our validation of the circumstances of the vehicle accident we ascertain the following:
1. Date, time and location of accident
2. Damage in line with accident description and scene
3. Physical and mechanical condition of vehicle prior to accident
4. Condition of driver at time of the accident
To assist us in determining the validation of the client’s claim we will do the following:
1. We interview the insured and/or the driver at the time of the accident and obtain a description of the events
2. A copy of the identity document and driver’s license is obtained from the insured and/or driver. The drivers licence is also verified on the
relevant systems.
3. We obtain a copy of the SAPS accident report and confirm the description of events on the report (if the AR is not issued to us by the
insurance company)
4. We determine whether the SAPS are investigating a criminal case and interviews are conducted with police personnel who visited the
scene.
5. We visit the scene and search for possible evidence such as skid marks, close circuit cameras in order to view footage, etc. Scene and any
evidence found are photographed.
6. Any witnesses as well as breakdown personnel, ambulance personnel and third parties involved are interviewed and their version of the
events obtained
7. We inspect the vehicle involved and check for roadworthiness, whether tyres have been changed after the accident, for any signs of alcohol
or medication inside the vehicle.
9. If any reasons are found relating to issues such as drunk driving, questions as to the identity of the driver at the time of the accident etc, we
obtain all relevant evidence required in order to repudiate such claim.
In conclusion a full report is submitted with our recommendations and all relevant attachments
The claim investigator will seek to “reconstruct” the loss. In order to do so they will typically follow a systematic approach along these lines:
1. Incident Overview
The investigator will begin simply by compiling a short summary of the event that includes the claimant data, type, date, time, location, and brief description of the claim.
2. Claimant Interview/Statement
The claimant or insured person as well as the driver of the insured vehicle will be asked to make a statement, either verbally or in writing. This statement might even be recorded and entered into the investigation report.
3. Documentary Evidence
In many cases, a claim investigator will ask to see documentary evidence related to the claim. For example, the police report, receipts, invoices, and estimates for the repair of the vehicle. (If not provided from the insurance) Our investigator’s job is to scrutinize the evidence to either justify the claim or identify potential alterations or falsifications that could indicate a problem. This will all be relayed to the insurance company via an Investigation Report.
4. Documentary Evidence
Our Investigator will go to the accident scene and take photos and do an inspect in loco, if possible with the driver of the vehicle.
5. Witness Statements
Statements from people who may have witnessed details or incidents related to the claim will be called upon to give their statements. This is considered a critical element of the investigation as witness reports are “fact-checked” against the statements and evidence collected above. Discrepancies here can lead to additional investigative probing and the need for substantiation. Interviews with witnesses to the accident, passengers in the vehicles involved are used to help determine fault.
6. Case Report
As the final step in a claim investigation, the report highlights the most compelling facts of the case. The investigator does not typically offer an opinion in these reports; only the facts and findings. The report is therefore vital in cases of disputed facts and questionable evidence as it will help the insurance company make a final determination as to their next move in handling your case.
In a claim investigation, preparation and cooperation will go a long way. They critically analyse all evidence relating to a claim; and they report on factually supported conclusions without justification of a preconceived result.
Personality Traits
Our investigators have a combination of analytic and people skills to succeed. They know where to find the information that they need and how to get it. They are able to persuade other people to cooperate with their investigations, even when they have no compelling interest to do so. They know how to interpret the data that they uncover, and draw its relevance to the case at hand. Also they have the following skills:
• Exceptional interpersonal skills and can be very inquisitive
• A sense of mutual respect and fairness and highly value ethical behaviour
• Good decision-making skills and work well within a team
Our Investigators resume’s exist of :
• Forensic Investigator
• Forensic Fraud and Corruption
• SAPS Crime Intelligence and High Profile cases
• Organised Crime
• Investigation of Crime
• Law policing
• Criminal Law
• Claims Assessor
• Consulting/Special Investigations
• Accident investigations
• Special Investigations Unit
• Criminal Record Centre
• Fraud Examiner/Investigations
• Loss Adjuster/Investigations
• Vehicle theft Unit
• Crime Prevention Unit
All the members of our team came from a SAPS background. Ranging from Detective to Captains. They all have from 10 to 31 years of experience in their fields.
We do the Investigations as our core business on daily professional bases and do have adequate and knowledgeable personal to effectively do the job.
Our extensive reach and indisputable expertise affords us the chance to offer you value-added services in all aspects of the insurance industry.
Our investigators are well-versed in all manners of claims, assessments, verifications, investigations and are trained to provide you with rapid results.
We offer a Professional, yet simple approach:
We have branches in Gauteng, Pretoria, Cape Town, East London and Durban, Bloemfontein and Polokwane.
Our accident investigation service is highly professional, fast and cost effective.
References: Riskslip, Recoverex, Western
In our validation of the circumstances of the vehicle accident we ascertain the following:
1. Date, time and location of accident
2. Damage in line with accident description and scene
3. Physical and mechanical condition of vehicle prior to accident
4. Condition of driver at time of the accident
To assist us in determining the validation of the client’s claim we will do the following:
1. We interview the insured and/or the driver at the time of the accident and obtain a description of the events
2. A copy of the identity document and driver’s license is obtained from the insured and/or driver. The drivers licence is also verified on the
relevant systems.
3. We obtain a copy of the SAPS accident report and confirm the description of events on the report (if the AR is not issued to us by the
insurance company)
4. We determine whether the SAPS are investigating a criminal case and interviews are conducted with police personnel who visited the
scene.
5. We visit the scene and search for possible evidence such as skid marks, close circuit cameras in order to view footage, etc. Scene and any
evidence found are photographed.
6. Any witnesses as well as breakdown personnel, ambulance personnel and third parties involved are interviewed and their version of the
events obtained
7. We inspect the vehicle involved and check for roadworthiness, whether tyres have been changed after the accident, for any signs of alcohol
or medication inside the vehicle.
9. If any reasons are found relating to issues such as drunk driving, questions as to the identity of the driver at the time of the accident etc, we
obtain all relevant evidence required in order to repudiate such claim.
In conclusion a full report is submitted with our recommendations and all relevant attachments
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