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Insurance Fraud




insurance-claim-formINSURANCE FRAUD:

Work with an investigator you can trust, contact former Jersey City Police Chief Bob Cowan for a free 30 minute consultation.

Insurance fraud costs consumers millions of dollars every year in higher insurance premiums. More people then you think either fake injuries or exaggerate the effect these injuries have had upon their lifestyle, and all of this is on your dime. At Cowan Investigations we can obtain evidence of insurance fraud through surveillance of the subject and by conducting background and searching public records.

Hard fraud occurs when someone deliberately plans or invents a loss, such as a collision, auto theft, or fire that is covered by their insurance policy in order to receive payment for damages. Criminal rings are sometimes involved in hard fraud schemes that can steal millions of dollars.

Soft fraud, which is far more common than hard fraud, is sometimes also referred to as opportunistic fraud. This type of fraud consists of policyholders exaggerating otherwise-legitimate claims. For example, when involved in an automotive collision an insured person might claim more damage than actually occurred. Soft fraud can also occur when, while obtaining a new health insurance policy, an individual misreports previous or existing conditions in order to obtain a lower premium on his/her insurance policy.

Insurance Company Investigations:

If retained by an insurance company to investigate a claim Cowan Investigations will first request a detailed report from the claimant which will seek his/her nicknames, email addresses, hobbies, children’s names, favorite restaurants, previous gym memberships as well as other information regarding behavioral habits. It will also be important to obtain the claimants work history, college information and even pet information. This behavioral information is extraordinarily important in terms of gathering intelligence for the purpose of conducting further investigation into a potential insurance fraud.

Another indispensable tool of a successful investigation prior to even considering the conducting of surveillance activities would be a social media background investigation; very often the use of social media results in significant evidence being uncovered by either the search itself or by it having the potential to point the investigator toward places and people which can frequently result in the uncovering of substantial relevant evidence and/or intelligence. It is an understatement to say social media provides useful information during an investigative inquiry, social media can provide; photos of the subject and his/her associates, the type of vehicle driven and plate number, the physical activities enjoyed, planned vacations, the list goes on and on. It goes without saying this type of information could be significant and actually point to the time and place at which an investigator could secure crucial evidence by conducting a surveillance.

Cowan Investigations invites Insurance Companies to consult with us for your investigative needs. Aside from Bob Cowan the owner of Cowan Investigations, all other investigators are former New Jersey Law Enforcement Officers who have had years of on the job experience on the streets of New Jersey.


Get started with an insurance investigator you can trust. Contact Cowan Investigations.

Get Started Today!