Predators look to take advantage of people during the roughest situations of life. A perpetrator of insurance fraud makes a career out of milking the system thinking it's a victimless crime. Today’s guest is Officer Tony Royall. Officer Royall started in the Virginia Department of State Police in 1986. He worked in Accident Reproduction and then became an agent in Narcotics. Officer Royall has now been working in Insurance Fraud for the past 22 years.

Show Notes:

• [0:47] - Officer Royall shares his background in law enforcement.
• [2:24] - Over the years, there have been a lot of wild insurance fraud cases for Officer Royall. He describes a recent one that had an unexpected twist.
• [4:47] - How was this insurance fraud discovered?
• [7:18] - One of the most prevalent insurance fraud situations is staged auto accidents.
• [9:01] - Officer Royall describes another case and what the result was for the perpetrator staging accidents and fabricating medical bills.
• [11:15] - Investigations are geared toward the people who intentionally commit crime.
• [12:55] - Staged accidents that are insurance fraud are usually committed by multiple people working in tandem.
• [13:59] - Officer Royall explains another type of insurance fraud case involving a staged slip and fall accident.
• [15:59] - Sometimes people take the opportunity to purposefully stage an accident in a public place.
• [17:54] - With every case of insurance fraud, premiums for everyone else could go up.
• [19:53] - There are times when the police are contacted by insurance agencies, but are mostly contacted about insurance fraud by possible victims.
• [21:18] - Always make sure your policy is up to date and periodically check on things to be sure it’s active.
• [22:13] - Read the policy and what is covered. 
• [23:14] - Keep an inventory of high ticket items in your home and business including serial numbers. Documentation is extremely helpful in the event of fraud.
• [25:20] - Catastrophic events create opportunities for perpetrators trying to solicit.
• [26:15] - If you find yourself in an automobile accident, take photos of the damage of both cars and document details.
• [28:02] - How can you document details of an accident?
• [29:21] - Be diligent and make as much information known as possible.

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