Salvage Value Dispute Review
A commercial fleet operator disputed the total loss valuation provided by their insurer following a significant vehicle write-off.
Read Case Study
Fraud & Verification
Staged Accident Investigation
Fraudulent Claim Detection
Two policyholders submitted simultaneous claims following a reported collision. A pattern review triggered a fraud referral investigation.
Background
Two motor vehicle claims were submitted by different policyholders following a reported collision at a Nairobi intersection. Both parties alleged the other was at fault. A claims pattern review flagged that both policyholders had histories of multiple minor claims in the preceding 18 months.
The Challenge
The incident report contained several internal inconsistencies, and the damage on both vehicles raised questions about whether the reported collision could have caused it. Establishing the true sequence of events required careful scene and witness work.
Investigation Approach
Scene investigators documented the intersection, assessed road markings and traffic patterns, and identified potential witnesses in the surrounding area. Structured interviews were conducted with both policyholders and identified bystanders. Claim histories for both parties were cross-referenced against industry records.
Findings
Physical evidence at the scene was inconsistent with the damage on both vehicles. Independent witness accounts differed significantly from the submitted incident reports. Cross-referencing revealed both policyholders shared a common third-party contact across multiple prior claims.
Outcome
Fraud Referred
Both claims were flagged for fraud and referred to the insurer's fraud committee and the Insurance Regulatory Authority. Our investigation report formed the primary basis of the formal fraud referral.