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General Indicators of Suspicious Claims
- History of Claims Activity
- Familiar with insurance claim terms and procedures
- Refrains from using the mail or fax; conducts business in person
- No police report on on-scene report
- Aggressive demands for a quick settlement, sometimes for less than full
amount of claim
- Threatens to contact higher authority to push demands
- Temporary address used – post office box or motel
- Recent policy or walk-in business
- Photocopied support documentation or computer generated invoices
- Insured’s employed address is a post office box
- Unreasonable delay in reporting loss
- Refuses to give recorded or written statement
- Self-employed in vague occupation; reluctant to produce tax records
- First notice or claim and/or immediate attorney representation
- Recent changes in coverage/inquiries to agent
- Loss occurs immediately before or after policy renewal/inception dates
- Claimant experiencing financial problems
- Discrepancies between official reports of incident and statements made by
insured/claimant
- Lifestyle inconsistent with observation and facts
- Insured/claimant wants a friend or relative to pick up check
- Over documentation of loss
- Insured/Claimant has no phone
- Claimant is a transient or out-of-towner
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