• Insurance claims may be investigated by a claims adjuster or an insurance investigator. They may be employed by an insurance company (insurance carrier), a third party administrator (TPA), or an independent company, law firm, state or federal agency. Insurance claims may be examined as suspicious or otherwise in doubt for some reason. Investigators in this field have differing specialties and backgrounds. Some insurance companies have their own in-house investigation teams commonly known as a special investigation unit (SIU) while other companies sub-contract the work to individual private investigators or private investigation firms or agencies. Some investigations may be conducted on claims suspected of fraud. Very often investigators will be working simply to establish the circumstances of a claim that may involve an automobile accident, personal injury, property damage, or death.