Michigan Council of Professional Investigators
MCPI Member
For All Your Investigative needs
Private Investigator Servicing Adrian, Akron, Allen Park, Alma, Almont, Alpena, Ann Arbor, Argentine, Armada, Atlas, Auburn Hills, Auburn, Au Gres, Bad Axe, Bancroft, Bay City, Beaverton, Berkley, Birch Run, Bloomfield Hills, Breckenridge, Bridgeport, Brown City, Burt, Burton, Byron, Cadillac, Canton, Capac, Caro, Carson City, Caseville, Cass City, Chesaning, Chesterfield, Clare, Clarkston, Clifford, Clinton, Clio, Cohoctah, Coleman, Columbiaville, Corunna, Davison, Dearborn, Detroit, Dewitt, Dryden, Durand, East Lansing, Elkton, Essexville, Fairgrove, Farmington, Fenton, Ferndale, Flint, Flushing, Fort Gratiot, Fowlerville, Frankenmuth, Garden City, Genesee, Gladwin, Goodrich, Grand Blanc, Grand Rapids, Gratiot, Grosse Pointe, Hartland, Hemlock, Higgins Lake, Highland, Holland, Holly, Houghton Lake, Howell, Huron, Imlay City, Ionia, Ithaca, Jackson, Kingston, Laingsburg, Lake Orion, Lansing, Lapeer, Leonard, Lincoln Park, Linden, Linwood, Livingston, Livonia, Macomb, Madison Heights, Marine City, Marlette, Mason, Mecosta, Metamora, Middleton, Midland, Milan, Milford, Millington, Montrose, Morrice, Mount Morris, Mount Pleasant, Muskegan, New Haven, New Lothrop, North Branch, Northville, Oakley, Oakland, Ortonville, Oscoda, Otisville, Ovid, Owosso, Oxford, Perry, Petoskey, Pigeon, Pinckney, Pinconning, Pontiac, Port Huron, Reese, Richmond, Rochester Hills, Romeo, Roscommon, Royal Oak, Ruth, Saginaw, Sandusky, Sanford, Shepherd, Southfield, South Lyon, Standish, St. Clair, St. Clair Shores, St. Johns, Swartz Creek, Tawas City, Traverse City, Tuscola, Ubly, Vassar, Warren, Washtenaw, Waterford, Webberville, West Bloomfield, Westland, White Lake, Yale, Ypsilanti, Genesee County, Oakland County, Tuscola County, Macomb County, Livingston County, Washtenaw County, Clinton County, Gratiot County, Gladwin County, Mecosta County, Oscoda County, Alpena County, Alcona County, Crawford County, Clare County, Iona County, Shaiwassee County, Huron County, Sanilac County, Kent County, Allegan County, Cheboygan County, Kalkaska County, Kalamazoo County, Osceola County, Isabella County and the entire state of Michigan. We also offer nationwide data services.
Insurance Investigations in Michigan (MI)
Private Investigator
Fraud Investigations:
Worker's Compensation
Workers compensation is a large crime in America today. Tens of billions of dollars in false claims are stolen every year. By scamming the system, these claimant's are forcing businesses to pay higher premiums and they pass the high costs onto their policyholders. Consumers will now pay higher prices for goods/services, workers will lose jobs because businesses might have to reduce their workforce. Business owners may stop or reduce an employee's pay by offsetting these added expenses. Higher premiums depress a company's income, lowers employee productivity, and force some companies to go out of business. Some workers comp programs are government-run. Thus they're supported by tax dollars. This means your tax dollars are being stolen each and every year. For those states that don't use tax dollars, think about this; a fraudulent claim is won in court. Now they have proven their disability and can now go down to their local Social Security Office, show them the paperwork and get Social Security Disability, which is tax dollars. So everyone loses! Do you ever wonder who picks up the slack when a fellow worker leaves the job with a fake injury? Fellow workers, will have to pull extra duty or the company is forced to conduct additional hiring. We can help you identify possible fraudulent claims and develop a plan of action to limit your exposure.
Auto Accident (PIP Claims)
Insurance fraud is a huge problem in the United States and the people who commit it are incredibly creative. Some stage accidents by suddenly hitting their brakes in the hopes you'll hit them so they can fake an injury. Others will be involved in an auto accident and make a claim that they're hurt when they're really not. Some will also claim that they're more hurt than they really are. These types of scams cost us tens of billions of dollars a year and unfortunately, are becoming pretty common. Some of this can be blamed on our poor economy. People are resorting to desperate measures to bring in a little extra cash. Auto insurance fraud has risen dramatically and so has the number of people who believe cheating their insurer is acceptable practice. We can help you help expose these fraudulent claims.
Personal Injury
Personal injury fraud as it pertains to home or business is an act where the chief motive is financial gain. An injury that is nonexistent, exaggerated or unrelated to the accident would be covered by the policy but no matter the circumstances, personal injury insurance fraud is a crime. This type of fraud can be viewed as opportunistic or premeditated. Opportunistic personal injury insurance fraud if the most commonly an inflated claim. A health care professional sometimes exaggerates the severity of a patient’s injury in order to increase the claim amount. This can lead to more costly and unnecessary treatment. A person who is actually injured often exaggerates the extent of their injury or required recuperation time. If the insured is paying lost income, medical treatment or assisted home health care,, this can quickly become a huge expense. More often than not, the individual may just be seeking a paid vacation courtesy of the insurer. Premeditated personal injury insurance fraud is when someone devises a way to make an insurance claim. Premeditated fraud often involves some extreme action such as a person intentionally slips or falls down at neighbor's house, business, or sidewalk and then collect benefits from the insurance company for a nonexistent injury. We can help you identify this types of claims and often recommend a round of surveillance.
Private Mortgage Insurance (PMI)
What is PMI? Most homeowners pay each month into an escrow for taxes and insurance. These escrow payments, together with an amount for principal and interest, make up the monthly mortgage payment. However, a significant number of homeowners also pay another type of charge each month known as “PMI,” or Private Mortgage Insurance. PMI typically is required for conventional loans when the homeowner makes a down payment of less than 20%. PMI protects the lender (not the borrower) from losing money when a homebuyer defaults on a mortgage loan. According to industry standards, since 1991 annual operating profits in the PMI industry have skyrocketed more than 500% to $2.7 billion. What tends to happen with PMI Fraud is the lending company or buyer often inflates/lies about their income in order to get approved for a loan. What happens is if the buyer defaults on the loan, PMI is responsible for the balance. The lending institution gets the full purchase of the house because the PMI must pay all monies owed. Let us help you analyze these documents, identify fraudulent and inflated numbers and then develop a plan of action which typically includes witness statements and obtaining the contracts/records/documents to help you dispute the claim.
Activity Checks
We offer direct or indirect activity checks. For direct activity checks we will contact the claimant and schedule a time, meet with them and document our findings. We will discuss the claimant’s current health situation, living situation, any physical activities or restrictions they may have and take a still photograph of the claimant and residence. We also offer a more discreet activity check where no contact is made with the claimant. During the indirect activity check, our investigators canvass the neighborhood to determine the claimant’s current activities. In addition, we will also indirectly speak to the claimant regarding his or her current health situation and current activities. A comprehensive report is provided which details the observations of our professionals along with any supporting materials.
Alive & Well Checks
This face to face interview will confirm that your claimant is still alive and receiving their disability checks. We will verify their identify through a State issued ID and confirm their Social Security number, address and telephone number. We will ask if they are currently working, their daily activities, limitations and their overall health and well being. We will also inquire about their plan of treatment, current physicians and medications, receiving any other income; Social Security or pension. We will ask if they are currently receiving their checks on time and if they interested in a settlement. A photograph of the claimant and residence will also be obtained.
Claims Investigations
We will examine each claim on a case by case basis to help you get a more accurate account of the incident. We will red flag any suspicious claim and launch an immediate investigation. We provide support in all claims handling by conducting witness interviews, taking recorded statements and obtain evidence to help in the claims handling process.
We assist individuals, employers, law firms, insurance companies and corporations by offering a large variety of investigative services. We customize each investigation to your specific needs.
We are a full service investigation agency licensed in Michigan under Public Act 285 of 1965.
MI Professional Investigator Agency
License#3701206507
Our Services
- Adoption Investigations
- Activity Checks
- Alive& Well Interviews
- Background Checks
- Corporate Investigations
- Criminal Investigations
- Driving Records
- Domestic Investigations
- Fraud Investigations
- GPS Tracking
- Locate Missing Person
- Pre-Employment
- Surveillance
If you're looking for answers, whether it be a Background Check, Locate a Missing Person, Child Custody, Cheating Spouse, Corporate Investigation, Insurance Fraud or Process Services, we can help......