Insurance fraud costs the industry billions of dollars annually, and those costs are passed on to honest policyholders and employers through increased premiums. In South Carolina, fraudulent workers' compensation claims, staged accidents, inflated property damage claims, and disability fraud are persistent problems that require professional investigation to combat.
Crucial Investigations works with insurance companies, self-insured employers, attorneys, and third-party administrators throughout the Greenville area to detect and document insurance fraud through surveillance, background investigation, and evidence gathering.
Workers' compensation fraud is one of the most common types of insurance fraud in South Carolina. Claimants may exaggerate the extent of their injuries, claim injuries that didn't occur at work, or continue collecting benefits while working unreported jobs. Our investigators conduct surveillance to document physical activities inconsistent with claimed injuries — such as a claimant on total disability who is observed doing construction work, playing sports, or performing other physical activities.
Similar to workers' compensation fraud, disability fraud involves claimants who collect disability benefits while performing activities that contradict their claimed limitations. We document these activities through video surveillance that can be presented in hearings and court proceedings.
Staged accidents, inflated repair estimates, phantom passengers claiming injuries, and paper-only collisions are common auto fraud schemes. We investigate suspicious claims through scene reconstruction, witness interviews, and surveillance of claimants alleging injuries.
Inflated damage claims, arson for profit, and claimed losses of property that was never owned are forms of property insurance fraud we investigate. Our team examines claim documentation, interviews witnesses, and conducts field investigation to verify or disprove property damage claims.
Insurance fraud investigations require a combination of surveillance, research, and analytical skills. Our approach includes:
Our investigation reports and video evidence are prepared to meet the evidentiary standards required in South Carolina courts and administrative hearings. We maintain proper chain of custody, document our observations with timestamps and GPS coordinates, and our investigators are available to provide testimony when cases go to hearing or trial.
We work with major insurance carriers, regional insurers, self-insured employers, and third-party administrators across South Carolina. Our investigators understand the SIU (Special Investigations Unit) process, know how to coordinate with adjusters and attorneys, and deliver reports in formats compatible with industry workflows.
While based in Greenville, our insurance fraud investigations take us throughout South Carolina and neighboring states. We cover Spartanburg, Anderson, Pickens, Oconee, and all Upstate counties, with the capability to pursue investigations statewide when a case demands it.
We conduct covert video surveillance of claimants to document their physical activities. If a claimant reports they cannot lift, bend, or perform physical tasks, but our surveillance shows them doing exactly those activities, that video evidence becomes a powerful tool for the insurance carrier or employer to challenge the claim.
Yes. Public social media posts — including photos, videos, check-ins, and status updates — can be powerful evidence in insurance fraud cases. We preserve social media evidence in a forensically sound manner and document its collection for use in legal proceedings.
The duration depends on the type of fraud and complexity of the case. Workers' compensation surveillance cases typically require multiple sessions over one to three weeks. More complex investigations involving financial analysis or extensive background research may take longer. We provide regular status updates and work within your budget parameters.
Contact Crucial Investigations today for a free, confidential consultation. We're here to help.
(864) 915-2833 Contact Us Online“Working with Dan and Frances Garrett was an excellent experience. First, they do what they say — 100% of the time Dan delivered as promised, met every requirement and followed up on every lead with outstanding detail.”
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