Legal Guides

What Questions Do Insurance Investigators Ask

Insurance Investigators

Due to the structure and investigations, there is frequently a mismatch between the questions insurance investigators and adjusters are asking and providing the information an investigator needs.

Most statements often include background information, such as the witness’ mortgage or family size. 

This information is beneficial not just for underwriting but also for the private investigator’s insurance.

The “initial consult,” as Origin and Cause refer to it, in which the adjuster captures actual, pure witness observations given quickly after an incident or injury, is significantly more helpful to an investigator.

What Are The Typical Questions Insurance Investigators Are Asking?

When insurance investigators and adjusters meet with a witness for the first time, they typically ask if they have a place to stay, advise them to keep their receipts and suggest meeting again in a few days to get a statement. 

However, during the first exchange, it is a good time to obtain crucial information for a probe; unadulterated, direct observations about the incident or injury that have not been tainted by outside influences like family, friends, or neighbors who might have affected their perspective. 

Witnesses frequently lose sight of what is real or false when you wait a few days to gather information, and they typically tell you what they have been told rather than what happened.

Adjusters can use the initial meeting with the witness to do a brief two-to three-minute “initial consultation” to address the issue. That can be done later; this is not a declaration. An initial consultation is a quick dialogue in which an insurance claims adjuster asks a witness these three simple but impactful questions.

● What did you notice first?

● How did you behave?

● What did you do next?

Although these inquiries seem simple, a key characteristic sets them apart from the typical inquiries made during the information-gathering process. 

Do not ask if you want to know what happened! Asking a witness to share their observations from a halfway point gives the questioner back control over the information flow rather than letting the witness control it by giving their testimony from beginning to end. 

The result is a factual, spontaneous observation as opposed to a deliberate, practiced judgment based on information the witness deems pertinent. 

Do not take notes during the initial consultation; treat it like a casual discussion. Using pen and paper, witnesses may become wary as they become aware of the data’s significance. 

Additionally, it gives them time to consider their response, which is the opposite of what you desire. Your aim is to start a conversation with a trustworthy source in a relaxed setting. 

You are not taking a position; instead, you are obtaining first-hand, objective data. By establishing the facts, you are coming to the truth.

When Are Insurance Investigators Investigating The Case?

The insurance investigators are investigating the case, which means there are certain types of issues related to the financial due to these issues, the insurance policy requires investigations. 

Not necessary every time the investigators are appointed by the customers. Even sometimes, the investigators are also appointed by the insurance company.

So let’s see what the insurance investigators are investigating.

  • In the first step, they are taking the overview of the case.
  • Check the claimant statement and other financial reports.
  • Gather all documentary evidence related to the case study.
  • Get all documents related to the physical evidence.
  • Gather the statement of the witnesses.
  • Prepare the case report and submit the report.

These are the common working steps of an insurance investigator. Apart from these works, the case study and the case detail researchers also come under their main work areas.

Have you wondered how much insurance investigators make? In an hour, they are making nearly about $26.So this is pretty obvious they are doing almost every research related to the matter and then submitting their reports. 


An insurer has the right to look into your claim to ensure that it is legitimate and covered by the policy. As the investigation is pertinent and reasonable, you must assist your insurer.

Additionally, you must demonstrate that your insurance investigators and the policy covered the loss you experienced.

This includes demonstrating that your version of events is believable and that the loss occurred under conditions consistent with the other pieces of known and verified evidence.

You should promptly retract your injury or insurance claim if it is false. Fraudulently obtaining insurance is illegal and has serious repercussions.


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