Insurance Investigations
Michigan's Licensed Insurance Investigators
Insurance fraud costs Michigan policyholders and businesses billions of dollars every year. Insite Investigations conducts thorough, documented investigations for insurers, attorneys, and businesses — producing evidence that holds up in court and before regulatory bodies.
When a Claim Doesn't Add Up, You Need Answers.
Insurance fraud takes many forms — staged accidents, exaggerated injuries, fabricated property damage, workers' compensation abuse, and arson for profit. Insurers and self-insured businesses need more than suspicion. They need documented evidence gathered by a licensed investigator who understands Michigan law, admissibility standards, and what it takes to support a denial, a civil suit, or a criminal referral. Insite Investigations provides that evidence.
The Cost of Insurance Fraud in Michigan
Michigan consistently ranks among the worst states in the nation for insurance fraud — particularly auto insurance fraud. The financial impact reaches every policyholder in the state.
Lost annually to auto insurance fraud in Michigan
Michigan Department of Insurance and Financial Services
Extra per year the average Michigan driver pays due to fraud
Insurance Research Council
Of all insurance claims in Michigan estimated to involve fraud
Coalition Against Insurance Fraud
Michigan ranked worst state for auto insurance fraud for multiple consecutive years
National Insurance Crime Bureau
Sources: Michigan Department of Insurance and Financial Services (DIFS), Insurance Research Council, Coalition Against Insurance Fraud, National Insurance Crime Bureau (NICB). Figures are estimates based on published industry research.
Insurance Investigation Services
Surveillance & Activity Checks
We conduct covert surveillance to document claimant activity that is inconsistent with reported injuries or disabilities — producing video and photographic evidence admissible in claim disputes and litigation.
Workers' Compensation Fraud
We investigate employees claiming injuries that prevent them from working while engaging in physical activities, secondary employment, or other conduct inconsistent with their claimed limitations.
Personal Injury Fraud
We investigate staged accidents, exaggerated injuries, and fraudulent medical treatment claims — documenting claimant activity and identifying inconsistencies between reported injuries and observed behavior.
Property & Casualty Fraud
We investigate suspicious property damage claims, including staged burglaries, arson, and inflated loss claims — examining the scene, interviewing witnesses, and reviewing records to identify fraud indicators.
Disability Fraud
We document claimants receiving long-term disability benefits while engaging in employment, physical activity, or other conduct that contradicts their claimed inability to work.
Background & Asset Investigations
We conduct background investigations on claimants, witnesses, and third parties — identifying prior fraud history, undisclosed employment, financial interests, and other relevant information.
Social Media & Digital Investigations
We conduct lawful open-source and social media investigations to identify publicly available evidence that contradicts a claimant's reported condition, activities, or whereabouts.
Witness Interviews & Statements
We conduct professional witness interviews and obtain recorded statements from claimants, witnesses, and third parties — producing documentation suitable for use in claim files and litigation.
Who We Serve
Insurance Carriers
We work directly with claims departments, special investigations units (SIUs), and outside counsel to investigate suspicious claims and produce documented evidence for coverage decisions and litigation.
Self-Insured Employers
Businesses that self-insure their workers' compensation or liability exposure need the same investigative capabilities as carriers. We provide the same professional service regardless of who holds the risk.
Defense Attorneys
We support defense counsel in personal injury, workers' compensation, and insurance fraud litigation — providing surveillance, background investigations, witness interviews, and expert testimony.
Third-Party Administrators
TPAs managing claims on behalf of self-insured employers and risk pools rely on us for timely, professional investigations that support sound claims decisions.
Why Insite Investigations
Licensed in Michigan
All investigations are conducted by Michigan-licensed private investigators operating in full compliance with state law — ensuring your evidence is legally obtained and admissible.
Documented Chain of Custody
Every piece of evidence we collect is documented with a clear chain of custody — critical for use in claim denials, civil litigation, and criminal referrals.
Litigation-Ready Reports
Our investigative reports are formatted for use by claims professionals, attorneys, and courts — clear, organized, and supported by photographs, video, and documentary evidence.
Timely Turnaround
Insurance investigations are time-sensitive. We respond quickly to new assignments and provide regular status updates throughout the investigation.
Fraud Caught on Camera
Our investigators document the truth — no matter how long the fraud has been going on.
"No Weight on Right Arm" — For Over Two Years
Our client suspected a claimant who had been collecting workers' compensation benefits for over two years, citing a shoulder injury with a medical restriction of no weight bearing on the right arm.
Insite investigators conducted covert surveillance and captured the subject carrying multiple heavy grocery bags — one in each hand — with no visible difficulty. The footage provided clear, court-admissible evidence that directly contradicted the claimed disability.
Claim successfully challenged — fraudulent benefits terminated based on surveillance evidence.
Frequently Asked Questions
Common questions about insurance investigations in Michigan.
Suspicious Claim? Get the Evidence You Need.
Insite Investigations provides professional, licensed insurance investigations throughout Michigan. Contact us to discuss your assignment.