Sources of Information.

1. Since the inception of immunity insurance laws such as Ohio’s Arson Control, an agency, whether it be a fire or law enforcement unit, can request. Many insurance policy relevant to a fire loss under investigation and any application for such a policy.

2. Investigators now being trained in the techniques of analyzing insurance policy applicatior are encouraged to request policies and applications as a routine case procedure. With increased interest given by investigators to insurance policy analysis, a ripple effect foreseen in the handling of arson-fraud prosecutions. Also, the denial of insurance coverage on loss claims having fraudulent misrepresentations within policy applications will increase.

3. A wide range of information sources is available to insurance, fire and enforcement agencies. Many routine sources are already known to experienced arson investigators and more sources are added with increased case exposure. Information contained within the insurance policy application should be studied for completeness and validity during arson-fraud investigations. For example, the law summarizes information sources within the Columbus. Ohio area with the eight major information categories represented on the typical insurance application.

4. Similar laws could be compiled for other cities or geographical areas. The immunity insurance laws indicate where tupical sources or contacts can be located, but doesn’t guarantee that the requested information will be revealed to the investigator, adjuster, agent, or underwriter. Depending upon the agency, the role of the investigator, and the “need to know”, the information could become available. Many times, legal processes, such as subpoenas, search warrants, or court orders, must be used to obtain the requested information or item.

5. The emphasis given to scrutinizing uniform insurance policy applications, cannot be overstressed. Policy applications signed by the insured and witnessed by the producer, have provided major evidence in arson-fraud cases investigated by fire and law applications are processed and verified by insurance adjusters and underwriters, the investigator can plan to have these individuals testify at trial.

VIII. Прочитайте 5ый абзац текста и вопрос к нему. Какой из вариантов ответа соответствует по содержанию одному из предложений текста?

What provides the major evidence in arson-fraud cases?

1. Policy applications signed by the producer provided the major evidence in arson-fraud cases.

2. The major evidence provided the useful facts.

3. The criminal information provided the major evidence in arson-fraud cases.

Вариант IV

Дата добавления: 2015-07-19