Sterling Forensic Services

Security Equipped Vehicles

Insurance Fraud is a wide spread problem that may be costing your company more then you think. Chances are, fraud and misrepresentation are taking a bite out of your company's bottom line. Worst of all, you may not even be aware of how serious the problem really is.

Evidence Debris Collection

Is the subject of the fire loss the result of a bona fide fire, or is it a result of insurance fraud, or arson?

Sterling can assist you in the evaluation of questionable fire loss claims, whether it is a vehicle, a residential structure or a commercial structure.

Our Technical & Forensic Unit can conduct a thorough and comprehensive examination of the subject of the loss and provide you with an expert opinion and determination of the origin and cause of the fire. They will be able to rule out the possibility of the fire having been of an accidental nature.

If found to have been of an accidental nature, they will be able to assist you in seeking recovery through the subrogation process.

Our staff can provide your staff with instruction in the field of auto and structural arson. Our experts will provide expert courtroom testimony should the claim result in litigation. Sterling has a superb record with regard to successfully winning cases that have resulted in litigation.

Services

Sterling is there to assist you in monitoring the activities of insured's and claimants who allege that they have been injured to the degree that they cannot function as they had been accustomed to doing. Is that Workers Compensation claimant working elsewhere, off a legitimate payroll? Can he or she perform manual tasks even though he or she has claimed to be unable to? Is that injury claimant feigning an injury, limp or other restrictions? Let Sterling's staff of experienced surveillance investigators assist you in uncovering the truth about the activities of that injury claimant. We can conduct limited activity checks to comprehensive surveillance investigations. With the use of sophisticated surveillance equipment we can provide you with still photographs and video footage of the injury claimant performing activities that he or she claims not to be able to perform.

Fire Loss

Sterling is there to assist you in the investigation of rate evasion cases. Are your clients paying the correct premiums or have they intentionally misrepresented and/or withheld information from you that would cause you to provide them with more favorable premiums? Do they actually reside in the area for which you have rated them or do they reside in a higher risk location? Have they been forthcoming with regard to where they principally garage the policy vehicle(s) and as to who in fact operates them? Have they been truthful about there identity and about their driving history? Let Sterling assist you in uncovering the factual data needed to accurately rate the risk that you insure. Sterling can provide you with the data that you will need, through interviews, neighborhood canvasses, municipal and governmental record searches, and various data base searches. In this age of ever increasing insurance fraud, you may wish to have Sterling assist you in developing an underwriting fraud program in order to prevent possible future loss exposure from less than truthful claimants.

Rate Fraud

Sterling is there to assist you in the investigation of suspicious and questionable claims. Our staff is experienced in conducting investigations of questionable claims along multi-lines of insurance business. Whether it is personal or commercial lines, and whether it is Workers Compensation, life & health, personal injury, claims, automobile related losses, or warrantee losses. Sterling's staff of competent investigators are trained fact finders who are able to uncover the facts surrounding the purported losses. We will conduct the necessary tasks involved to help you bring the claim to a proper disposition. We will conduct investigative follow up from single task oriented assignments to full comprehensive investigations. Whether it is scene photographs & diagrams, or detailed interviews of insured's and/or claimants, we are there to assist you. We will secure necessary documents, I.E. police and hospital reports and records and conduct canvasses of loss locations to locate independent witnesses. Our staff is highly trained and experienced in the investigation of staged auto accidents and jump-in passenger cases.

Suspicious Claims

Sterling is there to assist you in the validity of vehicle theft claims, in cases where the vehicle has been recovered. Was that reported stolen vehicle in fact the subject of a theft or was it owner fraud? Our staff of experts is qualified in the analysis of domestic and foreign vehicle lock mechanisms, ignition systems, and security & Alarm systems. We have on staff automotive locksmith specialists who are familiar with multi-car opening techniques. Forensic analysis of the recovered vehicle is their forte. Our staff can provide expert courtroom testimony in the field of auto theft. Our technical and forensic unit can also provide vehicle fluid analysis with respect to the condition of the vehicle's mechanical components. Ken Vitty, V.P. of the technical & Forensic unit is highly respected in the industry as one of the foremost vehicle theft forensic experts.

Theft Recovery

Injuries