Insurance Claims Investigations are specialised inquiries that test the credibility of a loss notification before an insurer pays. Exero Group works for insurance carriers, self-insured employers, reinsurers and defence counsel handling first-party and third-party claims governed by the Czech Insurance Act (No. 277/2009 Sb.) and the Civil Code (No. 89/2012 Sb.). Our caseload concentrates on bodily-injury exaggeration, malingering, staged motor accidents, fictitious theft, business-interruption inflation and long-term sickness-absence abuse. Each engagement combines licensed surveillance, OSINT, scene reconstruction and disciplined evidence handling so the resulting file can stand up in civil litigation, criminal referral or quiet repudiation. We operate from Prague and deploy field teams anywhere in the Czech Republic, Slovakia, Germany, Austria and Poland within 24–48 hours.
The Czech insurance market loses an estimated CZK 4–6 billion every year to fraudulent and inflated claims, with motor third-party liability, accident and disability lines absorbing the largest share. Patterns we encounter most often include phantom passengers added after a low-speed collision, recycled medical imaging used to support several unrelated injury claims, organised rings that stage incidents around rental fleets, and long-tail sickness-absence cases where the claimant resumes physically demanding work in a parallel cash economy. Detecting these schemes early is rarely a question of intuition: it is a question of triangulating telematics, medical timelines, social-media footprints and on-the-ground observation against the four corners of the policy.
Our senior investigators are former insurance SIU leads, criminal investigators and military intelligence operators. Every case is run by a named case manager who owns the evidence file end-to-end, briefs your adjuster or counsel weekly, and is personally responsible for the proportionality assessment that justifies each surveillance day. We work to a single standard regardless of claim size. A EUR 25,000 disability case receives the same chain-of-custody discipline as a EUR 4 million liability matter because the cost of an inadmissible exhibit is always higher than the cost of doing it correctly the first time. Reports are delivered in Czech or English, formatted for direct insertion into the claims file.