Foreign death claims are a special kind of insurance investigations, especially in Romania. Investigating such a claim in a country which we believe to present significant challenges, due to the involvement of language and cultural barriers, access to credible information, unfamiliarity with documents, and the increased difficulty of obtaining those documents.
With an increasing number of individuals having access to technological advancements, creating false documents is becoming easier, making it more difficult to determine document authenticity.
We undertake and successfully conduct foreign death claims investigations in Romania and call in strong procedures of getting to the bottom of the whole affair. We are adepts of this credo : see all, ask all, talk to all, document all. It’s pretty hard to go wrong when your procedures are nailed in place and combine these with a strong human intelligence factor.
We’ve been researching of foreign deaths in Romania since 1991; a long time, a time during which we polished and strengthened our skills and expertise.
We always ask ourselves, and plot our investigation by these golden rules:
- Understand the claim and what claimant declares
- Get personal: who was the insured?
- Does the travel makes sense?
- What was the health status at departure?
- Where was insured staying at the time of death?
- Trace last 24 hrs
- The devil resides in details
- Disposition of the body
- Follow the money
- Supporting documents
- What locals say
- What partner (if any) says
- What witnesses (if any) say
- What doctor attesting the death say
- Undertaker and mortuary
Platinum rule here: Check all legal documents, and those authorizing disposition of body
As said, you cannot go wrong when you follow procedures. Elementary, my dear Watson.