Why It’s Critical to Use Private Investigators Before Paying Major Claims

Private investigators help confirm or challenge the facts supporting a claim. In workers’ comp cases, this can include verifying the incident, interviewing witnesses, reviewing past injuries, and confirming physical limitations. Surveillance and background checks can also reveal inconsistencies, exaggerations, or false statements that dramatically affect claim value.

Fraudulent and exaggerated claims cost insurers and businesses billions each year. Investigators play a key role in identifying red flags — such as staged accidents or claimants continuing physical activities they say they cannot perform. This early detection protects reserves, shields companies from unnecessary payouts, and reduces downstream risk.

Investigators gather evidence that attorneys can use to make informed decisions. Their findings often shape whether a claim should be settled, litigated, or contested — and for how much. They can also identify key witnesses or concealed information long before discovery, giving legal teams a strategic edge.

Investigators capture time-sensitive evidence before claimants alter behavior or data disappears. This proactive approach can help reduce premiums, protect business reputation, and ensure only legitimate claims are compensated. It also supports compliance and potential legal defenses or recoveries.