Special Investigation Units (SIUs)

Many insurance companies have established special investigation units (SIUs) to help identify and investigate suspicious claims; some insurance companies outsource their units to other insurers. In 1999, 40 percent of property/casualty insurers had SIUs, according to the Coalition against Insurance Fraud. By 2001, that proportion had more than doubled.

These units range from a small team, whose primary role is to train claim representatives to deal with the more routine kinds of fraud cases, to teams of trained investigators, including former law enforcement officers, attorneys, accountants and claim experts to thoroughly investigate fraudulent activities. More complex cases, involving large scale criminal operations or individuals that repeatedly stage accidents, may be turned over to the National Insurance Crime Bureau (NICB). This insurance industry-sponsored organization has special expertise in preparing fraud cases for trial and serves as a liaison between the insurance industry and law enforcement agencies. In addition, it publicizes the arrest and conviction of the perpetrators of insurance fraud to help deter future criminal activities. Insurance company surveys confirm that SIUs dramatically impact the bottom line of many insurance companies.

In the mid-1990s insurers said that for every dollar they invested in antifraud efforts, including SIUs, they got up to $27 back, but these returns have become harder to achieve as the more apparent fraud schemes have been uncovered and more effort is necessary to ferret out the sophisticated fraud that remains. A 2000 study by Conning Research & Consulting suggests that results vary widely. Using the ratio of "claims exposure reduction" to the expense of running SIUs, the study found ratios ranging from a low of 3 to 1 to a high of 27 to 1, depending on the year and line of insurance. Although some insurers are cutting back on fraud investigation by outsourcing investigations and dissolving their fraud units, advances in software technology, especially programs that sift though the millions of claims that large health insurers process annually, are proving effective in fighting fraud. These "data mining" programs can uncover repetitions and anomalies and analyze links to fraudulent activities or entities.

4.8

Based on 85 reviews

Kim J.
My Son found Mike at Empire Pacific because we needed a detective in order to find someone. We had spend a lot of time and money on many search people websites and never found anything current on the person we were trying to find. We hired Mike to do an initial check to find the person. Mike called and said on the initial check that he had found what we needed, he said the second step would be to go look by foot and there would be a fee per hour. About 2 hours later Mike called and told us he had found the person and gave me his current phone number. I called and sure enough it was the person I was looking for. Now this shows how honest Mike is because he could have easily billed me for a few extra hours of leg work (which is paid per the hour) and I would not have known he already found the person. Mike was very attentive when I called and either picked up his phone or called me back very fast. I would highly recommend Mike, he is vey good at what he does and is respectful, honest and FAST!
Agustin C.
Mike Hakimi from EPIS is a true professional. He helped me with my case. He delivers effectively and fast! I was trying to find someone that nobody has heard from him from since the late 90's, I was very unsure he was still around. I needed to find him and interview him for my movie project. A key character. And Mike incredibly found him. Don't hesitate hiring Mike for any type of service.
Shera C.
Very pleased with Mike and his staff. Thank you for handling this surveillance case on such short notice. I was very pleased with your services and will do biz again with you for sure. I will be in touch:) 5 Stars!!!
Lance R.
Mike and his team are as professional as it gets. Very prompt to reply and understand the finesse needed in this service. I appreciate his expert feedback and how to best proceed in the most efficient way possible. Thank you again!!!

-LRR
Yossi S.
I have highest, highest praise for Mike at Empire Pacific Investigative Services. I had to take someone to court and I was concerned whether sheriff is efficient enough to do the serving or they will just attempt and I pay for nothing. I talked to Mike about serving this particular person and on top of it I try to force future steps of collection and Mike was extremely helpful to show me in and outs of all the options that I have and how he can help me.

My concern was the person that I am suing would play hide and seek, not available during the day and difficult to catch. Sure enough Mike served the paper within 2 to 3 days and informed me accordingly.

I am so happy to know Mike and would not hesitate to recommend him to anyone that has needs for his services.
Kevin O.
I was searching for a family relative, for over 40+ years with no such luck. So I decided to find a private investigator. I contacted Mike at Empire Pacific Investigative Services and in the same day he found the person I was looking for easily. I was so blown away! This service is AAA+ and I would definitely use them again, again and again! Thank you Mike!
Deborah O.
Top notch experience with Empire and Mike!
No lag time or waiting around. He gave me the difficult diligence I needed within the week.
Professional, friendly and available whenever I need the.
Prompt response time and easy to reach!
Thanks Mike! I'll be using your services again. Wouldn't go to anyone else!

Deb Olberding
Magda S.
I had very good experience with Empire Pacific Investigative Services, Mike was very determined and efficient, detail oriented and reliable. His work effect exceeded my expectations.
Yossi S. Los Angeles, CAV
0 friends
4 reviews

11/20/2017

I have highest, highest praise for Mike at Empire Pacific Investigative Services. I had to take someone to court and I was concerned whether sheriff is efficient enough to do the serving or they will just attempt and I pay for nothing. I talked to Mike about serving this particular person and on top of it I try to force future steps of collection and Mike was extremely helpful...

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Agustin C. Los Angeles, CA
10 friends
3 reviews

4/26/2018

Mike Hakimi from EPIS is a true prfessional. He helped me with my case. He delivers effectively and fast! I was trying to find someone that nobody has heard from him from since the late 90's, I was very unsure he was still around. I needed to find him and interview him for my movie project. A key character. And Mike incredibly found him. Don't hesitate hireing...

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Marcus B. Ewa Beach, HI
32 friends
86 reviews

2/27/2018

I contacted Mike at Empire to do some research for me on an old insurance claim. It ended up not being along the lines of work that he was an expert in but what was so great about the experience was that Mike went out of his way to find me someone that did specialize in the area. If you are considering a couple options on who you need for your investigation you...

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Magda S. New York, NY
27 friends
2 reviews

3/21/2018

I had very good experience with Empire Pacific Investigative Services, Mike was very determined and efficient, detail oriented and reliable. His work effect exceeded my expectations.

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Shera C. Orange, CA
8 friends
24 reviews

2/27/2018

Mike's firm is awesome. I gave them short notice to conduct surveillance and they totally delivered. Thank you and your staff for handling this assignment for me on such short notice...

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Jonatan C. Chatsworth, Los Angeles, CA
0 friends
8 reviews

8/25/2017

I have worked with a few private investigation firms, and in my opinion, Empire Pacific Investigative "Mike Hakimi" is the best one...

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