A brief description of our core competencies and services.

1. MICHIGAN INVESTIGATIVE GROUP
… Looking out for you

2. I N S U R A N C E F R AU D
Fraud/SIU Team:
MIG has created a dedicated fraud control team with specialized expertise and resources committed to
minimizing the adverse effects of fraud for its industry clients. Our fraud investigators sole focus is to provide
professional, timely, quality and cost-effective investigative services to the insurance industry from inception
to final disposition.
Michigan Investigative Group investigators help clients reduce exposure of losses, recover fraudulent claims
costs and prevent unwarranted risks in a cost-effective manner.
Due Diligence Surveillance:
A background check and extensive review of the case is conducted to assess the true exposure and validity of
a prospective claimant for our client‘s. Information is verified and all documentation obtained is supplied to
the client to better assist their claim management. Why should due diligence investigations be conducted?
Because clients always want to take as little risk as possible and must be assured that any monies allocated or
advanced will be worth that risk. By utilizing the MIG investigative team, our clients have witnessed and
testify that their claims are handled efficiently and economical to aggressively reduce the fraud exposure.
MICHIGAN INVESTIGATIVE GROUP (800) 723-4580

3. I N S U R A N C E F R AU D c o n t …
MIG – Fraud/SIU Investigators specialize in :
Surveillance
Neighborhood Canvassing
Digital Video Capturing
Asset & Receipt verification
Video Interviews & Statements Electronic Report Delivery
Surveillance for:
Secure Client Log-In Portal
Log-
Automobile/No-Fault
Worker’s Compensation
Premises Liability Mobile Video Streaming
General Defense Litigation
MICHIGAN INVESTIGATIVE GROUP (800) 723-4580

4. W O R K E R ’s C O M P E N SAT I O N
Workers Compensation Fraud: We prove legitimacy of workers compensation claims! We do not just try to
impeach the claimants. As professionals who have to adjust claims, we know that many are serious and can be
proven correct. We at MIG mandate an environment where we look to establish hard facts. This approach is
tenacious and objective, saving you the hassle of inadmissible reports and evidence.
Workers compensation claimants sometimes exaggerate their claims to collect higher benefits. This can greatly
affect the bottom line of even the largest organization. Workers' compensation is usually a state-provided
protection in the United States. Compensation schedules vary from state to state. Insurance is typically provided
based on the type of injury and the degree of disability of the worker. This is where MIG takes the lead.
In many circumstances workers compensation claims are incorrect or have been mislead. MIG conducts
investigations for the employer or the insuring agency, providing actual real life examples of how the claimant is
adhering or progressing through the healing or disabled process.
Many of our clients use MIG not only when they are suspicious but whenever they have a claim. We are available
now to assist you on the inquiry process.
SURVEILLANCE EXPERTS
MICHIGAN INVESTIGATIVE GROUP (800) 723-4580

5. INSURANCE FRAUD cont…
C O R PAT E F R AU D
How to conduct an appropriate fraud investigation
Would your company be ready to handle this type of examination?
Imagine that your company is being investigated for fraud. One of your employees is caught forging documents, or another is
involved in a grand money laundering scheme or "cooking" the financial reporting books. A team of forensic accounting and
fraud investigators enters your workplace to conduct a review and investigation. If you found your company under investigation -
- how would you handle it? If you are unsure, then you should know how Michigan Investigative Group's forensic specialists
conduct a comprehensive fraud investigation. It is a carefully planned and thorough undertaking that has to be done right. A
poorly executed investigation can make a delicate situation for your company much worse. Fraud takes on many forms. The
Canadian Institute of Chartered Accountants defines fraud as "an intentional act, by one or more individuals among
management, other employees, those charged with governance or third parties, involving the use of deception to obtain an
unjust or illegal advantage." These activities can include misappropriation of cash or inventory, fraudulent financial reporting and
money laundering. In looking at these activities, our fraud investigators take a three-step approach in their investigation:
secure and collect all tangible and oral evidence in a manner consistent with the rules of evidence to ensure admissibility
analyze the evidence, and present the evidence in an understandable manner in a venue of the client's choosing
These stages normally involve using the technology of computer forensic analysis, data analytics and conducting interviews.
MIG's fraud investigators take a three-step approach:
1. Secure and collect all tangible and oral evidence
2. Analyze the evidence
3. Present the evidence in an understandable manner
MICHIGAN INVESTIGATIVE GROUP (800) 723-4580

6. INSURANCE FRAUD cont…
C O R PAT E F R AU D
Securing and collecting the evidence: computer forensics
The most successful method of detecting improper activities at corporations where fraud is suspected is through the use of
technology. Nearly all of a company's information is created and managed electronically, yet typically only a third of that
information is committed to paper. The majority of investigations, therefore, require careful searches of electronic information
rather than following a paper trail.
Computer forensics allows fraud investigators to uncover more of the facts, support otherwise unsubstantiated information,
confirm or refute allegations, and analyze competing theories in relation to those facts. It involves identifying, collecting,
analyzing large numbers of data. But without the correct presentation or codification of data, it may not be admissible in a legal
proceeding. Typically, the forensic group would search and analyze:
Emails
Documents and files that may be hidden, password protected, or encrypted Files that have been generated from the operating
system (i.e., enhanced metafiles) Databases of all user input and activity Recently opened, accessed, created or deleted files, and
Online activities, including Internet banking transactions However, electronic evidence is not limited just to laptop and network
computers at the workplace. Offsite computer files, servers, and even the head accountant's BlackBerry can prove valuable in an
investigation. If your company is being investigated, it is wise to be as cooperative as you can during the "electronic" phase of the
investigation. Computer forensic analysts use sophisticated tools and laboratories to conduct a thorough and accurate
investigation. There's really nowhere to hide your data anymore, and any attempts to do so merely create additional evidence
pointing toward an attempted cover-up.
MICHIGAN INVESTIGATIVE GROUP (800) 723-4580

7. INSURANCE FRAUD cont…
C O R PAT E F R AU D c o n t …
Gathering additional evidence through interviews
Successful fraud investigations require interviewing potential witnesses, people with information about a particular infraction,
and in some cases, speaking with the suspected perpetrators of fraud themselves. The professional interviewer, therefore, has a
detailed and organized plan in place. Knowing this will help you understand how investigators acquire oral evidence. The
objective of an interview in a fraud situation is to gather facts related to potential motives on the part of the perpetrator, and to
verify opportunities presented to the perpetrator for committing a fraud. The interviewer carefully organizes the structure of the
interview, including its location, attendees, and the series of questions that will be asked. Questions are designed so that they
draw out the best possible information from the interviewee. For instance: What will be gained from the interview? What should
be known about this individual's activities? Is the interviewee a suspect or just a lead? As well, the interviewer often takes into
account body language and certain words and phrases which could indicate deception.
The bottom line
Using computer forensics, data analytics and interviews allows investigators to assemble much of the needed evidence for an
investigation. MIG's professionals then present the evidence in a way that allows them to make a compelling case if needed.
Going through a fraud investigation can be a stressful time for your company. But you can get through it with cooperation,
patience and the right knowledge.
REMEMBER: The MIG 3 Steps
1. Secure and collect all tangible and oral evidence
2. Analyze the evidence
3. Present the evidence in an understandable manner
MICHIGAN INVESTIGATIVE GROUP (800) 723-4580

8. INSURANCE FRAUD cont…
B A C KG RO UN D C H EC K S
MIG is a provider of background check information related to credit history, social security number verification, driving
records, criminal history, education verification, professional license verification, personal and professional reference
verification. Our Lead Investigators have many years of experience in handling your cases with care.
Features:
On line background check ordering and record retrieval.
Personal individual service, you will be assigned a Lead Investigator
No long term commitments or enrollment fees
Custom Background check Reporting Available
Below is a partial list of the background check services we offer.
Social Security Verification Driving Record
Credit Report Employment Verification
County Criminal Background Check Record Education Verification
Search Nationwide Sex Offender
Nationwide Database Background Check Tenant Screening
Search Government Database Search
Statewide Criminal Background Checks I9 Compliance
Civil Court Record Searches
MICHIGAN INVESTIGATIVE GROUP (800) 723-4580

9. MICHIGAN INVESTIGATIVE GROUP
51194 Romeo Plank Rd. #223
Macomb, MI 48042
(800) 723-4580 Corporate Office
(586) 648-8090 Macomb County
(248) 823-7021 Oakland County
(586) 591-5995 Fax
Website: http://www.migpi.com
Email: dadamczyk@migpi.com