A claim investigator is like a mini detective looking to either prove the claim to be fraudulent or provide proof that the claim is valid. In order for the investigator to conduct a proficient investigation, they must be thorough and ask a serious of questions to collect the necessary evidence. When investigating a possible fraudulent matter, it is typical for the investigator to ask questions and gather personal information such as:

  • Who was involved?
  • What happened?
  • Where did it happen?
  • Why did the accident occur?
  • Is that all you can recall?
  • Would you be able to include any other details?
  • Criminal history
  • Financial records and bank statements
  • Telephone records

Simple questions like “who, what, where, when and how” are generally asked to begin the interview along with some follow up questions. Follow up questions can either be straightforward asking about any details that may have been left out, or if the investigator senses fraud, the investigator may request bank statements.