Inconsistent claim narratives
Independent verification may be appropriate when this issue affects a material decision.
Insurance sector
Claims investigation built around verification, documentation and fair assessment.
Claims verification, fraud investigation, field enquiries, digital evidence review and litigation support for insurers.
C3I’s role: independent factual enquiry and investigation support. Final legal, regulatory, disciplinary, clinical, financial or commercial decisions remain with the client and qualified advisers.
Sector risk map
Issues that may require independent verification.
These are common categories of concern, not assumptions about any organisation or person.
Staged or exaggerated loss concerns
Independent verification may be appropriate when this issue affects a material decision.
Identity and relationship issues
Independent verification may be appropriate when this issue affects a material decision.
Provider or repair-network collusion
Independent verification may be appropriate when this issue affects a material decision.
Missing supporting evidence
Independent verification may be appropriate when this issue affects a material decision.
Litigation exposure
Independent verification may be appropriate when this issue affects a material decision.
Relevant services
Services selected around the question and evidence.
Scope depends on authority, jurisdiction, urgency, available information and intended use.
Insurance Investigation
Review scope, methodology, deliverables and limitations.
Explore service →Corporate Fraud Investigation
Review scope, methodology, deliverables and limitations.
Explore service →Corporate Background Verification
Review scope, methodology, deliverables and limitations.
Explore service →Metadata Analysis
Review scope, methodology, deliverables and limitations.
Explore service →Social Media Investigation
Review scope, methodology, deliverables and limitations.
Explore service →Litigation Support
Review scope, methodology, deliverables and limitations.
Explore service →Engagement situations
Where investigation support may fit.
- 1
Death, injury or disability claims
The engagement should convert the concern into specific questions and authorised evidence requirements.
- 2
Motor or property loss
The engagement should convert the concern into specific questions and authorised evidence requirements.
- 3
Medical or provider concerns
The engagement should convert the concern into specific questions and authorised evidence requirements.
- 4
Suspected organised fraud
The engagement should convert the concern into specific questions and authorised evidence requirements.
- 5
Employee or intermediary involvement
The engagement should convert the concern into specific questions and authorised evidence requirements.
- 6
Disputed claims and litigation
The engagement should convert the concern into specific questions and authorised evidence requirements.
Evidence considerations
Good decisions require context, not isolated material.
Sector duties and specialist boundaries must shape the assignment.
- Policy interpretation remains with the insurer and advisers.
- Medical conclusions require qualified medical professionals.
- Preserve original digital images where possible.
- Capture public online material with source and date.
- Report exculpatory as well as adverse findings.
Workflow
A controlled path from concern to decision support.
Mandate
Confirm authority, reporting line and purpose.
Issue framing
Convert concerns into answerable questions.
Preservation
Identify material at risk of loss.
Enquiry
Use proportionate approved methods.
Corroboration
Test sources and alternatives.
Reporting
Separate findings, gaps and limitations.
Frequently asked questions
Insurance investigation questions.
No. C3I reports findings; the insurer or competent authority decides.
Yes when authorised and appropriate.
It can provide indicators but must be interpreted cautiously.
Relevant public content can be documented without hacking or deceptive access.
Timing depends on location, urgency and approvals.
No. Legal use depends on documentation and applicable law.
Confidential consultation
Define the risk before choosing the method.
C3I can assess suitability, information needs and the appropriate service category.
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