In conducting a "claim" investigation where the claim is a serious one and where there is cause for doubt in connection with the loss or claim, the type of investigation to be used is:

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When conducting a serious claim investigation where there is doubt, personal contact is the most effective approach. This allows the investigator to gather information through face-to-face conversations, observe and assess behavior, and gather physical evidence. Telephone and mail investigations may not provide enough information or may be easily manipulated, while undercover or clandestine methods may not be legal or ethical in the context of a claim investigation.

In Conducting a "Claim" Investigation Where the Claim Is a Serious