Investigation Procedures & Methods Flashcards

When documenting a scene during an insurance fraud investigation in Oregon, which method best establishes the chronological sequence of events?

Answer: Creating a timeline log with timestamped photographs and notes

A timestamped timeline log with photographs creates a defensible chronological record of investigation findings.

Under Oregon insurance investigation guidelines, when is it appropriate to conduct surveillance on a claimant?

Answer: When there is reasonable suspicion of fraudulent activity and the activity is in a public space

Oregon investigators may conduct surveillance in public spaces when there is reasonable suspicion of fraud, without a court order.

A recorded statement from a claimant during an Oregon insurance investigation is MOST valuable because it:

Answer: Locks in the claimant's version of events for comparison with other evidence

Recorded statements preserve the claimant's account verbatim, enabling investigators to identify inconsistencies if the story changes.

Which of the following sources is typically LEAST reliable when corroborating a claimant's injury in a workers' compensation investigation?

Answer: The claimant's own social media posts

Social media posts can be taken out of context and may not accurately reflect the claimant's medical condition.

During a field investigation of a suspected arson claim in Oregon, the investigator should FIRST:

Answer: Coordinate with fire investigators and law enforcement before entering

Investigators must coordinate with fire and law enforcement agencies first to preserve the chain of custody and ensure legal access.

An Oregon insurance investigator discovers that a claimant's medical records contain altered dates. The BEST immediate action is to:

Answer: Document the alterations and refer findings to the Special Investigations Unit (SIU)

Altered records are potential evidence of fraud and must be documented and escalated to the SIU for proper handling.

In Oregon, the primary purpose of an Examination Under Oath (EUO) in an insurance investigation is to:

Answer: Obtain a sworn, detailed statement from the insured under penalty of perjury

An EUO is a contractual right that compels the insured to provide a sworn statement, which can be used in legal proceedings.