Many insurers have Special Investigation Units, or SIUs. Employees who work in SIUs generally have backgrounds as detectives, police officers, medical personnel and the like. They're capable of performing an amazing array of tests and checks to bust anyone trying to commit fraud. Here's just a sampling of what they can do:
- Conduct burn pattern analyses and computer simulations on cars and homes damaged by fire to determine if the fire was intentionally set or accidental.
- Determine if a claimant's injuries match a reported accident.
- Investigate damaged vehicles to see if the resulting dents and scratches jibe with the accident report. Also, use rust analysis and wear patterns to see if your car's damage is actually from an old accident.
- Conduct financial reviews on claimants. Auto or homeowners claims from those who are behind on car or mortgage payments are immediately flagged as potentially fraudulent [source: Insurance].