How do insurance companies investigate fraud?

Insurance companies investigate fraud by using different methods and techniques. In California, insurance companies use a variety of investigative techniques to identify and investigate cases of suspected fraud. These techniques range from conducting interviews to reviewing documents, records, and financial statements. Insurance companies can also use electronic resources, such as computer software, to analyze information and identify discrepancies that may indicate fraudulent activity. They may review phone records, social media, websites, and other online records to identify suspicious activity. Insurance companies may also conduct surveillance activities, such as following suspects or hiring investigators to pose as customers or agents, to gather information. They may also hire experts to analyze evidence, such as medical records, to identify suspicious activity. Insurance companies have the right to investigate any claim they suspect to be fraudulent. If they determine a claim is fraudulent, they may cancel the policy or deny coverage or reimbursement. They may also refer cases to the authorities for criminal investigation and, if the fraud is proven, seek court-ordered repayment for the fraudulent claims.

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How do insurance companies investigate fraud?

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