Stryker Investigations
Insurance Defense
Insurance Defense: Workplace Injury, Workers’ Comp, AOE/COE Investigations and Statements Casualty, Subrosa Surveillance for Insurance Carriers, TPA, Law Firms, and Employers
Auto. Subrogation. Workers' Comp.
Workplace Injury Investigation
Workers' Comp - Surveillance - Activity CheckStryker Investigations’ battle-tested insurance defense services encompass all aspects of insurance claims and related investigation services. Every investigation is unique, and there is no one-size-fits-all approach regarding insurance claim-related investigations.
We provide insurance defense services to insurance carriers, third-party administrators, law firms, municipalities, and employers from the private sector.
These services include Workers’ Compensation Subrosa surveillance, 4-hour activity checks, home care, and hospice caregiver integrity investigations, employer-level accident investigation AOE/COE statements from the Claimant and witnesses, subrogation investigations to identify responsible parties, property owners, individuals, or entities involved and fraud investigation focused on suspicious claims, surveillance; as well as, other insurance-related investigation requests.
Workers’ Compensation Insurance Investigations: Surveillance, AOE/COE Investigations, and Statements
Insurance Defense Investigations, Workplace Injury AOE/COE Statements and Investigations, Subrosa Surveillance, Insurance Claims-related Investigations for our insurance clients, TPA, Adjusters, and Carriers
Subrogation Investigation
When a slip and fall incident occurs, the moments immediately following the accident are crucial for establishing the foundation of a thorough and effective investigation. Our comprehensive approach begins the instant we receive notification of an incident, recognizing that the most effective claim review process starts with swift and methodical evidence gathering while the scene remains fresh and witnesses are available.
Witness Statements
The initial phase of our investigation focuses on coverage verification and injury assessment, where our experienced adjusters work diligently to determine whether the reported injuries align with the factual circumstances surrounding the accident. This critical analysis involves examining the consistency between the claimant’s stated injuries and the physical evidence at the scene, medical documentation, and witness accounts. Simultaneously, we conduct a thorough evaluation to identify any potential subrogation issues.
Scene Canvass
Our scene canvass services provide an on-site investigation to gather critical evidence. Investigators conduct neighborhood canvases to identify potential security cameras, Ring cameras, and collect statements from individuals who might not have been identified in the initial police reports.
These inspections capture crucial details about lighting conditions, surface materials, weather factors, maintenance records, and any hazardous conditions that may have contributed to the accident.
INSURANCE DEFENSE - WORKERS' COMP - SLIP AND FALL - MEDICAL
Stryker provides insurance defense investigative services for insurance carriers, third-party administrators, law firms, and municipalities defending claims. We concentrate our knowledge, skills, and expertise on specific products and investigative services that encompass all aspects of fraud, deceptive practices, pre- and post-litigation support, and Workers’ Compensation Surveillance. Consequently, our focused performance will bring our clients exceptional work products and unparalleled service results.
A team approach to detecting and resisting fraudulent claims has been proven to be the most effective response in combating schemes to defraud insurers. Every investigation is unique, and there is no one-size-fits-all approach regarding insurance defense services. We work directly with the examiners, attorneys, and management to conduct the services around specific client requests and service instructions or significant claim activity. Each investigation is tailored toward the unique needs of a particular client and designed on a case-by-case basis to uncover the nature and extent of the deception and expose fraudulent and/or abusive claims.
Defending a lawsuit is vastly different from managing the litigation for an insurance company, or even managing the many cases for which an individual claims professional is responsible. The investigation agency and investigators are fighting an individual battle in each case; the claims professional is fighting a war consisting of many individual battles. The relationship between claims professionals and their outside investigation agency is a key part of providing a successful defense for policyholders. But that relationship will always fall short of the ideal when half the people do not fully understand what motivates the other half.
Stryker Investigations’ battle-tested insurance defense services encompass all aspects of insurance investigations, workers’ compensation, activity checks, surveillance, subrogation, AOE/COE statements, and fraud investigations. We provide insurance defense services to insurance carriers, third-party administrators, law firms, municipalities, and employers in the private sector. Every investigation is unique, and there is no one-size-fits-all approach regarding Activity Checks, Surveillance, Subrogation, AOE/COE Statements, and Fraud Investigations. We work directly with the examiners, attorneys, and management to conduct services around specific client requests, service instructions, or significant claim activity. Each investigation is tailored toward the unique needs of a particular client and designed on a case-by-case basis to uncover the nature and extent of the deception and expose fraudulent and/or abusive claims.
SUBROGATION INVESTIGATIONS
Subrogation is your opportunity to conduct a causal investigation and identify property owners, individuals, responsible parties, or entities involved. Determine any contributing factors and establish if there is any contributory negligence, immediate cause, intervening cause, proximate cause, or proximate consequence, and establish any negligence. If any legal cause is identified and can be proven, it is possible to recover the money you have paid for damages caused by a third party.
If you are liable for a Workers’ Compensation claim but not responsible for the actual injury, subrogation investigations may help you recover the funds you have paid to an injured employee. If your company decides to pursue subrogation, Stryker will work to recover the damages from the responsible party. Damages may involve costs paid by you and the insurance company. Costs paid by you usually mean your deductible, but could include amounts over your policy limits that are not paid by your insurance company. This would depend on the laws in your state and the specific circumstances surrounding the loss.
Written testimony serves as legally binding evidence, whether provided in a courtroom or during an investigation. When a witness signs a written statement, they affirm under penalty of perjury that their account is truthful and accurate. Professional investigators meticulously document these statements, as false testimony can result in serious legal consequences. Even outside formal court proceedings, signed written statements carry significant legal weight and can be used in future litigation, insurance claims, or enforcement actions.
These documented statements become permanent records that can significantly impact legal proceedings and insurance investigations. Insurance carriers, attorneys, and courts rely on these sworn statements to establish facts, verify claims, and determine the proper resolution of cases.
