Insurers Exposure Reduced:
MJM was assigned to reduce the exposure faced by an insurer resulting from a motor vehicle accident involving two automobiles. Each vehicle was occupied by multiple persons. Our client was faced with five separate claims from the occupants of one vehicle. Each passenger was investigated independently to determine if they possessed their own automobile insurance. Principal insurers were identified for two out of the four passengers within 48 hours of receipt of the assignment. Further inquiries were conducted on the two remaining passengers with their landlords, employers and neighbours, ultimately uncovering separate principal insurance carriers for them. The timely delivery of this information to our client saved the principal Insurer considerable exposure and the adjuster countless work hours to adjust these wrongfully placed claims.

So Called "Strangers" Revealed as Co-Conspirators to Defraud Insurance Company:
MJM was contacted by the Special Investigations Unit of a major insurer in the Toronto area. We were instructed to investigate the validity of a motor vehicle accident that occurred in a remote area on a Sunday afternoon. The occupants of both vehicles stated they did not know each other and had just met through these unfortunate circumstances. Using our internal database compiled from 16 years of insurance claims investigations, we initially were able to draw a connection between the drivers of both vehicles as demonstrated from previous investigated claims. The database information provided a foundation for correlating details on both drivers. It showed that they had prior knowledge of one another, through shared employment experiences, and co-ownership of real estate. When our investigators pursued the matter, both drivers were found to be brothers-in-law in their country of origin. This information was utilised by the insurance company and in conjunction with an Accident Reconstructionist Report allowed the adjuster to deny the claim.

Caregiver/Housekeeper Trumps Up Fees and Services:
An insurer was faced with an escalating claim for housekeeping and care-giving services, and retained MJM to investigate. Our investigation was two-fold: a face-to-face interview with the housekeeper/caregiver resulted in a lengthy written statement that reflected several discrepancies with the original story that the claimant had provided his insurer. Secondly, surveillance was co-ordinated to identify the service provider's daily activities. This approach confirmed that the housekeeper/caregiver maintained a full-time weekday commitment with a part-time evening job. Both employments were not related to the alleged care-giving and housekeeping services provided to the claimant. Investigators had further determined that the service provider's full-time job had spanned the last five years and the part-time commitment commenced without interruption a year and a half prior to allegedly offering services to the claimant. When confronted with this information, the adjuster denied the claim for services and reported the offending party to the Insurance Bureau of Canada, Fraud Department.

Auto Insurance - Surveillance:
An insurer had retained MJM to conduct surveillance on a middle-aged gentleman reporting soft tissue injuries to the neck and back regions. Within one week of receiving this assignment, the claimant's residential area received a significant snowfall and an investigator was dispatched to document the individual responsible for removing the snow from the driveway and walkways associated with the claimant's property. When the claimant made an appearance outdoors he did so wearing a cervical collar and utilising a standard walking cane. Our investigator adopted a very discreet surveillance position to document the subject removing the accumulated snow from the property's driveway and walkways for 90 minutes. Interestingly, during this time frame the claimant was observed dropping the snow shovel and standing motionless in the driveway each time a vehicle passed his house. Once the passing motorist was no longer in view, he continued to shovel his driveway clear of snow. Once this activity was completed, the individual attempted to start his automobile parked in the driveway without success. The subject proceeded to lift the hood of his vehicle and then keenly viewed his surroundings before he removed the cervical collar and conducted minor maintenance on the vehicle. The video documentation of the subject's activities was of great advantage to the insurer when settling the claim.