Motor / Bodily InjuryCzech Republic
Staged Motor Accident, CZK 1.8 Million Claim Repudiated
A Czech regional carrier referred a third-party bodily injury claim for a 34-year-old male claiming permanent partial disability following a low-speed Prague collision. Red flags included late notification, prior claims history, and social media inconsistencies. Eight-day surveillance and OSINT investigation documented physical activity inconsistent with declared limitations and identified the claimant as a shareholder in an undisclosed construction company. The claim was repudiated in full and referred to Czech Police for criminal investigation.
CZK 1.8M Protected
Disability / Long-Term AbsenceCzech Republic
Secondary Business Activity, CZK 4.5 Million Ongoing Liability Eliminated
A Czech health insurer referred a 22-month disability claim for anxiety and stress-related disability. OSINT investigation identified the claimant as the registered director of an active Czech sole-trader business, registered eight months into the disability claim. Field investigation in Prague and Central Bohemia documented regular business activity at the trading premises. Disability payments were suspended. The claimant withdrew the claim before independent medical assessment was completed.
CZK 4.5M Liability Eliminated
Workers CompensationCzech Republic
Secondary Employment, CZK 340,000 Overpayment Recovered
A self-insured manufacturer referred a 14-month workers compensation case for a warehouse operative with declared lumbar restriction. OSINT identified an active delivery business registered six weeks after the workplace injury. Five-day surveillance documented loading and unloading of delivery vehicles and sustained physical activity inconsistent with the declared restriction. Sick pay was terminated and formal overpayment recovery notice issued.
CZK 340K Recovered
Commercial / Business InterruptionCzech Republic
Business Interruption Inflation, CZK 62 Million Saving
A commercial insurer referred a CZK 84 million business interruption claim following a fire at a Czech manufacturing facility. Financial OSINT covering the Czech commercial register identified significant discrepancies between declared turnover and public filing data. Director profiling identified two prior insurance claims involving the same beneficial owner. The claim was settled at CZK 22 million following evidence-led renegotiation.
CZK 62M Saved
