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Home > Cases > The Accidental Death of a Biker

Case Study # 3: The Accidental Death
of a Biker

Insurance Fraud Case Study # 3 – Accidental Death of a Biker: Case Studies, Summit Loss Prevention Consulting, Inc., Indianapolis, Indiana (IN)

Summit Loss Prevention Consulting's president, Tony Jarana, has worked on thousands of different types of cases during a quarter century of field work and loss prevention management. This is just one example of the many situations in which you may find yourself:

Case Study # 3

A recent motorcycle death in Southern Indiana was a tragic event for the family of the deceased as well as the driver of the vehicle that was involved in the fatality. 

  • The initial investigation of the fatality was handled in a professional manner, but the police investigation did not go beyond the physical facts that presented at the scene.
  • The estate of the deceased was in the process of pursuing the death benefits (in excess of $250,000) per the insurance coverage in force at the time. Summit was brought in and assigned the follow-up investigation to verify the circumstances surrounding the motorcyclist’s activities and behavior leading up to the accident. 
  • After 3 days working on the assignment, Summit investigators were able to determine that the deceased was in possession of Schedule II narcotics that he did not have a prescription for at the time of the accident. 
  • Further investigation determined that the motorcyclist was in ongoing rehabilitation for drug addiction and had been obtaining Methadone pills at several Public Health clinics as well as through two personal physicians for over a year prior to the accident. 

Accidental Death: Know the Whole Story Before Paying the Claim

The police who responded to the crash site were not aware of these circumstances. A first-response paramedic who knew the deceased and his family had found the pills and never disclosed their existence until interviewed by a Summit investigator.

The information uncovered by Summit was not in any police or Coroner’s report. Summit apprised the insurance carrier of this new information and it significantly altered the death benefit payment from the carrier due to the new evidence presented.

How to Prevent Situations Like This

For information on how to prevent losses due to accidents, fraud, theft and other circumstances, call 317-363-8312, send email to or submit the short form below:




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