The Koyal Group Private Training Services, Insurance devices that monitor for safe-driver discounts

When Jeremy Tomlinson heard about KIRO 7's investigation into auto insurance tracking devices, he was one of many to reach out to us on Facebook.

“This is not only my transportation,” Tomlinson said, pointing at his Chevy pickup truck. “It's my livelihood, and this is my office."

Tomlinson is always looking for ways to save on insurance. He said ads for Progressive's snapshot device spoke to him.

Tomlinson ordered the device, which is designed to track driving habits for 30 days.

It works sort of like a black box and a cellphone combined. The device is designed to relay your braking habits and other data to the company, where a computer figures out if you get a good driver discount or not.

Tomlinson, a former computer tech, decided to document his experience on video.

“Like in all things, I do my research before I add anything to a vehicle that I'm paying thousands of dollars for," he said.

Tomlinson told KIRO 7 his electrical system began failing soon after he plugged in the device.

"I was driving to work, and if I didn't keep my foot in it, the engine would die," he said.

Tomlinson said his battery and alternator eventually gave out and he paid to replace them.

“Since I'm also a computer technician too, you figure out, OK what was the last thing I did? I installed that Snapshot. That was the only answer."

Tomlinson is one of many frustrated Progressive customers who contacted KIRO 7 when he saw the investigation into countless complaints that the device was blamed for damaging vehicles.

One call came from Patti Pinch of Everett.

“I hit the freeway and I watched my dash lights go out, so I know the tail lights are out,” Pinch said. “I get home and all the lights are out. My dome lights didn't work, tail lights didn't work, dash lights didn't work."

Pinch said she forgot she had the device plugged in.

"The next day, I took it to mechanics and all the wiring under the dash was burned,” she said.

Pinch’s mechanic determined her problems started right where the device was inserted -- in the car’s diagnostic port.

Since KIRO 7’s investigation began, a class-action lawsuit was filed against Progressive, from a Florida customer who claims the device kills batteries.

The Florida-based law firm handling the suit told KIRO 7 if a judge approves the suit, it could involve customers nationwide.

Progressive told KIRO 7 the lawsuit has no merit.

But KIRO 7 found out the problems go beyond Progressive.

KIRO 7 broke the news about a national recall of the same kind of device from American Family Insurance, who admitted its tracking device -- called "My Safety Valet" -- was actually shutting cars off while driving down the road.

"In a small number of vehicles, the device may affect the electrical system and cause the vehicle to shut down during operation," said company spokesperson Sandra Spahn.

As the complaints keep adding up and the lawsuit is argued in the courts, working people like Tomlinson are hoping Progressive will validate their damage complaints.

“It has obviously damaged the electrical system of the only vehicle that my family has and I use for work," he said.

KIRO 7 has learned that a judge’s decision regarding the lawsuit could happen at any time.

KIRO 7 will relay that decision to you, as soon as it happens.

The Koyal Group Private Training Services designs its online and on-site training to your particular needs, providing information you can apply while in training in order to reinforce the efficiency of that information. Our coursework qualifies state standards both for fraud and continuing-education upgrade. Our programs are adaptable and can be presented in various formats to address industry requirements and standards. Please visit and check our course listings.

The Koyal Group Private Training Services: Hur försäkring utredare bekämpa bedrägerier?

Att göra en fordran för mer än dina skador. Fudging datum på en försäkringsskada. Böja sanningen om hur olyckan hände. Dessa är ofarliga lögner som gör en enorm skillnad i din utbetalning och ingen roll till ett stort försäkringsbolag, rätt?

Fel. Var och en av dessa scenarier kvalificerar lagligt som försäkringsbedrägeri. "Försäkringsbedrägeri definieras som någon som försöker dra fördel av ett försäkringsbolag som han eller hon inte är berättigad till," säger Margareta Fleming, senior utredare med South Carolina Farm Bureau och medlem av South Carolina försäkrings bedrägeri utredare.

Försäkringsbedrägeri kan ta många former, och oavsett form, det innebär stora förluster för försäkringsbolagen. "I själva verket om bedrägeri var ett företag, skulle det vara ett Fortune 500-företag," Fleming lägger till. Därför bekämpa bedrägerier är en allvarlig prioritet för försäkringsbolag och företag har utvecklat många taktik att ta på förövarna.

Vad är försäkringsbedrägeri?

Försäkringsbranschen vanligtvis känner igen två typer av bedrägeri: hårda och mjuka. "Hårda bedrägeri är när en person medvetet tillverkar ett påstående," säger Fleming. "Mjuk bedrägeri är när en person lägger till ett element av bedrägeri ett annat legitimt anspråk."

Dana Kerr, docent i risk management och försäkring vid University of Southern Maine School of Business, förklarar: "säger någon stal din vigselring när du förlorat det ner sophantering – som är hårt bedrägeri. Det är lite lättare att upptäcka. Mjuka bedrägerier skulle vara stoppning en försäkring uppskattning eller förvränga själv på en ansökan om täckning."

Konsumenterna kan associera "hårda" bedrägeri med karriär brottslingar, men i själva verket alla slags människor begå alla typer av bedrägerier. Det finns potential för bedräglig aktivitet överallt i försäkringsfordringar processen,"säger Kerr.

Hur företag upptäcka försäkringsbedrägeri?

Vissa typer av försäkringsbedrägeri är svårare att upptäcka än andra – men inget är omöjligt. Jing Ai, docent i ekonomi vid universitetet i Hawaii-Manoa, bedriver forskning för att bidra till att förfina försäkringsbolagens datorprogram bedrägeri upptäckt.

"Vi använder statistiska metoder för att bestämma vilka faktorer bidrar till bedrägeri och hur de bidrar," säger Ai. "Det finns vanligtvis indikatorer, exempelvis huruvida det finns en polisanmälan eller om det hände på natten. En faktor betyder inte att det är bedrägligt, men en incident som har en polisanmälan är bara lite mindre misstänkt."

Många större försäkringsbolag använder redan dessa bedrägeri upptäckt program. "Försäkringsbolag förmodligen inte behöver människor inblandade i början av processen, säger Ai. "Vi hoppas att hjälpa dem att fördela sina resurser. Om de har bara så många timmar av expert tid, hur kan de prioritera de fall som är de mest misstänksamma?"

Oavsett hur försäkringsbolagen upptäcka bedrägeri, människor har att undersöka den. När ett specifikt fall flaggas för bedrägeri, Kerr säger, får "filen skickas till försäkringsbolagets SIU, eller en enhet för särskilda utredningar som kan anställa pensionerade polisen och andra brottsbekämpande yrkesverksamma. Denna avdelning följer på påståendena röd flagga, försöker identifiera de som är bedrägliga på något sätt och samla bevis."

Om ett försäkringsbolag undersökande enhet finner starka bevis för bedrägeri, det har några alternativ. "De kan nöja dig med den försäkrade, vilket vanligtvis innebär avvisar påståendet eller släppa politiken, Ai säger. "Det är i mindre allvarliga fall."

I mer allvarliga fall kan lokala, stat eller ens federala brottsbekämpande kunde engagera sig, antingen för att ytterligare undersöka eller åtala. Många stater har nu ägnat försäkring brottslighet divisioner för att tillämpa relevant lagstiftning. "Det kan vara antingen en förseelse och ett grovt brott, säger Kerr.

The Koyal Group Private Training Services mönster dess online och på plats utbildning till just dina behov, att tillhandahålla information som du kan använda i utbildning för att förstärka effektiviteten av denna information. Våra kurser berättigar statliga normer både för uppgradering av bedrägeri och fortsatt utbildning. Våra program är anpassningsbar och kan presenteras i olika format till adress industrins krav och standarder. Besök och kontrollera våra kurs-listor.

The Koyal Group Private Training Services: Vital Fraud Prevention Tips

Fraud Prevention Month is a time to spread awareness about the serious problem of insurance fraud in Canada, and to arm drivers with the knowledge to avoid it. Fraud can come in many different forms, from staged collisions to inflated claims, and being aware of all of the scams out there is the best way to avoid becoming a victim. These important tips are intended to help Canadians avoid becoming victims of fraud.

Recognizing Staged Collisions

A staged collision can be hard to prove, so the best thing a driver can do is to avoid them as much as possible. Drivers looking to stage a collision may suddenly slam on the brakes or slow down when another car is following closely.

Never tailgate, and always allow plenty of stopping distance – allowing for road conditions – when following another vehicle. When another vehicle on the road is driving erratically, braking suddenly for no apparent reason, or changing speed suddenly, back off, allow some space, and call the police if the activity appears dangerous.

Avoiding Inflated Claims

Getting more money out of an insurance company than the actual cost to repair the damage is another common insurance fraud trick. This can range from claiming previous damage as part of the accident damage to using disreputable repair shops to charge more than the actual cost of the repairs.

When involved in an accident, take detailed photographs of the damage and the scene, and make note of any previously existing damage on the other vehicle that doesn’t appear to be a result of the accident. Use a cell phone camera or keep a disposable one in the car. Those photos can be used to stop fraud.

Use a reputable repair shop for all claims work. Insurance companies have trusted repair shops they use regularly, and can provide some referrals. And of course, don’t ever falsely report a claim or exaggerate damage.

Report Suspicious Activity

The best thing all Canadian drivers can do for each other is to report fraud, or any suspicion of fraud, right away. Insurance fraud causes rates to go up for everyone, and fraud prevention can help to curb this.

If another driver involved in an accident tries to suggest any shady deals when it comes to claims or repairs, tell the insurance company immediately. And of course, always pass along any knowledge of insurance fraud on the part of others to the authorities or the Insurance Bureau of Canada

Insurance fraud prevention requires a concerted effort on the part of both insurance companies and drivers, but that effort can help to save everyone a lot of time and money.

The Koyal Group Private Training Services designs online and onsite training for your particular needs, information that you can apply while in training in order to enhance the effectiveness of this information. Our coursework qualifies governmental standards for both fraud and continue education upgrading. Our programs are flexible and can be presented in various formats to address the industry's requirements and standards. Please visit and check our course listings.

The Koyal Group Private Training Services: Minimizing the risk of identity theft

(Special) - Identity theft is a very real and present danger. In the past 12 months some seven million Canadians became victims of identity theft with an average direct cost per victim of US$372.00, according to internet/computer security company Norton.

Identity theft is the result of an unconsented or unknown use of an individual's personal information. It often occurs in conjunction with crimes such as fraud, forgery, or theft. Likely targets for an identity thief can include a Social Insurance Number (SIN), driver's licence number, credit cards, debit cards, cheques, phone cards, passwords, and pin numbers.

In general, identity thieves look for the opportunity to make a transaction and obtain cash, merchandise, or services before their identity can be found or the true information owner can be notified.

Although it may sound simple, the main way of combatting identity theft is to use caution when making any purchase or when otherwise safeguarding your personal information.

Insurance company Marsh offers some tips on how to reduce the threat and risks of identity theft, including insurance to cover some of the costs that can result from becoming a victim.

Identity theft is a generally serious and often costly crime. Insurance for this risk is sometimes included in homeowner insurance policies from certain insurers, but if it is not, an endorsement for identity theft coverage is usually available at a small additional cost.

Identity theft insurance is also generally available through insurers, their insurance brokers, banks, and credit card companies. Typical identity theft coverage includes costs to obtain credit reports, notarize documents, certified mail, telephone, and fax expenses, lost wages due to time taken off work to resolve identity theft issues (up to policy limits), loan reapplication fees, specified legal fees and costs to replace stolen government-issued identifications.

Some institutions will offer credit monitoring services as a way of helping to detect identity fraud in a timely manner. This is a separate service from identity theft insurance.

As with all insurance, it's important to read your policy documentation carefully to understand the exact coverage provided or call your insurance broker for more information.

In general, do not provide personal information to anyone whether in person, over the phone, or on the internet unless you are certain of their identity. "Phishing" scams are now commonplace and usually involve an individual posing as a legitimate business/government representative in hopes of stealing your personal information or even gaining control of your computer.

Question the need for personal information specifically as it relates to your Social Insurance Number (SIN). Only a select number of people need to know your SIN, including your employer, your financial institution, and various government departments. Consult the Service Canada website for a complete listing.

Avoid carrying your SIN card if you don't need it. Leave it in a secure place instead. Be careful that your SIN is not used as the account number for other purposes.

Make sure there is a lock on your mailbox if you still have door-to-door delivery. By stealing your mail, an identity thief can access bank, credit card, and tax information, and even possibly write cheques in your name.

Ensure any sensitive information is shredded and not recycled or put in the trash.

Pay careful attention whenever providing your credit or debit card for payment. "Skimming" is a process whereby your card information may be stolen. Watch to see that your card is only swiped for the purpose of paying for a transaction.

Secure any computers or personal documents in your home. Be aware that anyone with access to your home can potentially steal your personal information.

Only carry the identification and purchase cards you use and keep your wallet or purse in a safe place when not carrying it. If you require new cheques or credit/debit cards consider arranging for a bank pick-up instead of having them mailed. Always sign the signature area of your credit cards as soon as you receive them.

When disposing of old computer equipment or other electronic devices, make sure that your personal information is permanently deleted from the included memory.

Always shield your PIN number when making banking, credit, and debit transactions.

On line, change passwords you use frequently and avoid passwords which use easily findable data such as your mother's maiden name, your birth date or phone number. Use anti-virus software on all of your electronic devices as available and do not send confidential information through email or use your credit card online unless the merchant uses a secure transaction system.

By taking precautions and insurance you can guard yourself against the possibility of identity theft and the costs that can go along with it.

The Koyal Group Private Training Services designs its online and on-site training to your particular needs, providing information you can apply while in training in order to reinforce the efficiency of that information. Our coursework qualifies state standards both for fraud and continuing-education upgrade. Our programs are adaptable and can be presented in various formats to address industry requirements and standards. Please visit and check our course listings.

The Koyal Group Private Training Services: Financial housekeeping includes cleaning up your credit report

A report from the Urban Institute this week said 44 percent of adults in the Metroplex with credit reports had collection dings.

While this number has huge consequences on how much we pay for mortgages, car loans and credit cards, as well as access to jobs or rental housing, local experts caution that things are not as financially dire as the report may indicate.

Widely dispersed by the media this week, the report also said that one in three Americans with credit reports had collection problems hanging on their credit histories.

But a closer look at the report showed that some of these issues were as small as an unpaid parking ticket or membership fees. The figures include credit card debt that has already been charged off by the creditor as paid or settled, but still remains on your credit report for up to seven years. Much of that activity happened during the biggest financial collapse of a generation and may not represent a current debt problem.

So let’s look at what’s really going on here.

While many are still digging their way out of the economic collapse, personal bankruptcies are down 11 percent as of March compared to the year before, said Mitchell Allen, founder and president of Benbrook-based Debt Education and Certification Foundation, a call-in service center for financial education now required pre- and post-bankruptcy.

“Bankruptcies have had a steady decline over the last four years,” he said. “We’ve had a 25 percent reduction over that period.”

Allen, who also is the author of A Survival Guide to Debt. (Greenleaf Book Group Press, $11.36 on Amazon.com) — one of the best books I’ve read on the subject — said that bankruptcies are down because of better personal financial management and tighter lending requirements.

“People noticeably aren’t spending as much and have saved a little more,” Allen said. “And there is a huge difference in the documentation required to get a loan or a credit card than there was before the recession.”

Because of the decline in bankruptcies, Allen’s company has scaled back from 40 to 30 employees, he said.

Consumer Credit Counseling Service of Greater Dallas, which provides a no-cost service, has also recently closed two offices in Tarrant County because of less activity and now operates just one office in Dallas, said Todd Mark, vice president of community affairs for the company.

“There is a lot less in terms of crisis calls today than we’ve seen in the past,” Mark said. “Nationally, CCCS reports that the demand for counseling is down 50 percent over the last year.”

Calls coming into the counseling service deal more with old credit problems than recent ones, Mark said.

“Most people are two or three years in recovery and are contacting us to deal with some of the issues of their past now that they have a stable income,” he said.

Those facing such credit repair issues should consider opening up new lines of credit, whether through a secured credit card or other type of loan, to re-establish health to their credit report, Mark advised.

“It’s like the lottery — you have to play to win,” Mark said. “Credit is about borrowing and paying it back. To have good credit, you have to display responsible behavior.”

Mark said the Urban Institute report showed more of the financial problems left over from the Great Recession.

“It’s representative of the wreckage left behind from the Great Recession,” he said. “It’s not a snapshot of today. The delinquency rate on credit cards today is just 5.3 percent and consumer debt overall is much lower.”

The collection agencies in the state also haven’t experienced a current uptick in business, said Tom Morgan, executive director of the American Collectors Association of Texas, which has 170 third-party collection agency and attorney members in the state.

But Morgan said his members are watching the “astronomical” rise in student loan debt.

“If those graduates are flipping burgers at McDonald’s, they are not going to be able to pay off student loan debt,” he said. “Many are underemployed.”

Another wave of credit problems may be coming. But in the meantime, clean up your credit report and you will save on interest rates and insurance, while having better access to rental property and jobs.

The Koyal Group Private Training Services designs its online and on-site training to your particular needs, providing information you can apply while in training in order to reinforce the efficiency of that information. Our coursework qualifies state standards both for fraud and continuing-education upgrade. Our programs are adaptable and can be presented in various formats to address industry requirements and standards. Please visit and check our course listings.

The Koyal Group Private Training Services: Private investigators want a look at the rolls

PRIVATE investigators are the latest group to call for the Australian Electoral Commission to restore access to the electoral roll, saying recent changes inhibit their investigations.

The Australian Institute of Professional Investigators is lobbying MPs involved in a review of last year’s election to push for restrictions on accessing the roll to be overturned.

Other groups keen to see access to the roll restored include those separated by forced adoption or child removal or similar practices who are trying to track down their relatives.

They have won the backing of Social Services Minister Kevin Andrews, who is calling for change.

Security personnel are also lobbying to have access to the roll restored.

Investigators institute president Jim Corbett said private investigators had freely used the roll in their work until the most recent changes, but now were not.

“An investigator’s normal activity includes conducting inquiries in relation to claims for motor vehicle theft or accident, burglary, arson, fraud, public liability, WorkCover matters and the service of court documents,’’ he said. “In effect investigators are being hamstrung in their attempts to assist the insurance industry and government in relation to investigative matters.”

The investigators want the AEC to use its discretion to grant license to members of their profession to be able to perform searches using the roll, which shows the last enrolled address of anyone in Australia who is enrolled to vote.

The AEC confirmed it had “adopted a stricter approach” to people accessing the roll.

It now was supervising viewings to ensure that people used it only to check their own enrolment or if objecting to another elector’s enrolment.

The Security Institute of South Australia, which also supports restoring access to the roll, said changes to the Electoral Act meant it was impossible for people to look at anyone else’s details on the roll.

The association said it understood the need to protect victims of domestic violence or security or law enforcement workers, but access to the roll was vital to find witnesses in trials, to help single parents get child support from recalcitrant former partners and help creditors find debtors.

“We believe the individual’s right to privacy can and should be balanced with the legitimate interests of the broader community,” SA institute chief executive Charles McDonald said in a submission to a parliamentary committee inquiry.

The Koyal Group Private Training Services designs its online and on-site training to your particular needs, providing information you can apply while in training in order to reinforce the efficiency of that information. Our coursework qualifies state standards both for fraud and continuing-education upgrade. Our programs are adaptable and can be presented in various formats to address industry requirements and standards. Please visit and check our course listings.

The Koyal Group Private Training Services: Austin company leads Medicaid fraud crackdown

AUSTIN (KXAN) — Medicaid fraud is a multibillion dollar scam, and a new computer system hopes to help spot the crooks.

Texas pays out $28 billion a year to some 4.8 million people, according to Kaiser.

The state picks up one-fourth of the tab, and the feds pay the rest.  The FBI estimates that 10% of Medicaid claims are fraudulent, which comes out to $2.8 billion a year in Texas alone.

On Monday, Austin company 21CT launches a new computer system called “Torch” to help the state bring scammers to justice.

Torch will collate state data around the clock. The system will monitor frequency of claims, the size of claims and any funny patterns or anomalies.

21CT has grown to over 100 employees, most of them devoted to the crackdown. Company officials say what they are finding is eye opening.

“You know it’s there,” said Kyle Flaherty, Vice President of Marketing for 21CT. “What’s so surprising is how complex and entrepreneurial the fraudsters can be. This is a business for them and we need to disrupt the business they are creating.”

Torch will eyeball providers: businesses, medical supply companies, doctors, therapists, dentists, ambulance firms, hospitals and more. The system will make it easier to sort out.

“In my old job as a healthcare fraud investigator for the state I would have eighteen browser windows open with tabs in them,” Ross Worden, 21CT Director of Data Science said. “I had no idea what was going on. Now, it’s all in one place. I can click through and see who is connected to what… what they are doing… what they are going to do potentially. It’s a fantastic tool.”

Cheats use patterns to pull off their scams, but they can be spotted if you know what to look for. However, Torch isn’t talking.

“The reason I won’t tell you what they are is they may be listening,” Flaherty said. “The last thing I want a fraudster to know is the techniques we can pick up on.”

Those could include suspicious associations, peculiar transaction accounts and unsavory networks.

A little modest bill padding, or honest mistakes are to be expected in Medicaid. Torch looks for the big boys.

“There’s always something where you say no, you knew it,” Worden said. “It was bad and you tried to hide it. Those are the things that really interest us. We want the bad people.”

When the red flags fly, they are passed along to state investigators to pick up the trail.

If you are busted, it could mean a fine, paying restitution or even jail time.

 

The Koyal Group Private Training Services designs its online and on-site training to your particular needs, providing information you can apply while in training in order to reinforce the efficiency of that information. Our coursework qualifies state standards both for fraud and continuing-education upgrade. Our programs are adaptable and can be presented in various formats to address industry requirements and standards. Please visit and check our course listings.