Michigan has a unique form of first party auto insurance protection known commonly as PIP, which is short for Personal Injury Protection. Michigan is one of only a few states that offer this type of coverage which some consider expensive, but one that truly allows for those actually injured to have their medical bills paid, even when the injuries are extensive and may require treatment for years or life.
Unfortunately, Michigan PIP coverage is also one of the most commonly abused and defrauded. Carriers with claims here face a nonstop assault from fraudulent casualty claimants, embellished or nonexistent care givers, unscrupulous physicians and medical clinics along with a variety of other parasitic service providers who wish to take advantage of the system. Yes, those characters are in the minority, but the damage they do is substantial. This makes the requirement for insurers to have access to a Michigan PIP claims investigations agency that is more than familiar with PIP. They need investigators who know how to design PIP claims investigations, gather evidence discreetly, provide reliable information and testify as professionals if that need arises.
Sherlock Investigations has refined the Michigan PIP claims investigations process during our eighteen years of experience on the streets. During that time, we have represented the majority of carriers operating here and helped them to make accurate, fair claims decisions and to protect them from PIP fraud and embellishment. For carriers located outside of Michigan, we offer unique, safe and cost effective investigative solutions in this specialized environment.