INDICATORS OF POLICY FRAUD
Insurance claim made immediately after a new policy is purchased
Insurance claim made immediately after a policy change is made, such as:
Insurance claim made immediately after a new policy is purchased
Insurance claim made immediately after a policy change is made, such as:
- The addition of a new or previously undisclosed driver to the policy
- The addition of Comprehensive/Collision coverage to the policy
- The addition of rental car or loss-of-use coverage to the policy
- The addition of towing or road-side assistance coverage to the policy
- The addition or replacement of a vehicle to the policy
HIT & RUN CLAIMS / ANIMAL INVOLVED CLAIMS
Occurring late at night or in remote locations
Vehicle rendered inoperable but no police or tow service contacted
No independent witnesses
Multiple unrelated injured passengers in the vehicle
Occurring late at night or in remote locations
Vehicle rendered inoperable but no police or tow service contacted
No independent witnesses
Multiple unrelated injured passengers in the vehicle
| Sullivan Investigation Service, Inc. |
| Since 2004 |
Auto
| A detailed investigation is crucial to making the right decision |
INDICATORS OF PHYSICAL DAMAGE FRAUD
Damage type and location do not match up between the involved vehicles
Extensive physical damage to one or both vehicles, but no police notified
Vehicle rendered inoperable, yet no record of vehicle being towed
Vehicle previously involved in accident and/or a prior total loss
Damage type and location do not match up between the involved vehicles
Extensive physical damage to one or both vehicles, but no police notified
Vehicle rendered inoperable, yet no record of vehicle being towed
Vehicle previously involved in accident and/or a prior total loss
- INDICATORS OF AUTO THEFT FRAUD
Theft occurred at end of lease period or when owner is delinquent on loan
Theft occurred at end of policy period or after cancellation notice sent
Vehicle was prior total loss/salvage
Vehicle recently purchased for cash without bill of sale
Theft occurs after job-loss/layoff
NOTE: The fraud indicators identified on this website are examples of issues that may exist in a
claim file. The lists provided are not exhaustive. The existence of any one or any combination of
indicators is not necessarily evidence of fraud. A complete and thorough investigation is needed to
review all the information presented by the parties involved to ensure that it is factual and accurate.
claim file. The lists provided are not exhaustive. The existence of any one or any combination of
indicators is not necessarily evidence of fraud. A complete and thorough investigation is needed to
review all the information presented by the parties involved to ensure that it is factual and accurate.
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