Wel-pac Chow Mein Noodles Nutrition, Shoulder Impingement Exercises - Youtube, Celeste Singer Albums, Fox Cartoon Cute, Norwegian University Of Life Sciences Tuition Fee, Heinkel He 111, Vegan Ground Beef Recipes, Our Lady Of Lourdes - Malverne Pastor, Uncloudy Day Chords Staple Singers, Hoosier Hill Farm Goat Milk Powder, Gdpr Consultant Jobs, How To Use A Prayer Book, Torchbearer Hot Sauce Canada, Types Of Property Ownership In Bc, " /> Wel-pac Chow Mein Noodles Nutrition, Shoulder Impingement Exercises - Youtube, Celeste Singer Albums, Fox Cartoon Cute, Norwegian University Of Life Sciences Tuition Fee, Heinkel He 111, Vegan Ground Beef Recipes, Our Lady Of Lourdes - Malverne Pastor, Uncloudy Day Chords Staple Singers, Hoosier Hill Farm Goat Milk Powder, Gdpr Consultant Jobs, How To Use A Prayer Book, Torchbearer Hot Sauce Canada, Types Of Property Ownership In Bc, " />

insurance investigator tactics

Home / Uncategorized / insurance investigator tactics

(Feb. 21, 2012) http://www.medicare.gov/navigation/help-and-support/fraud-and-abuse/fraud-and-abuse-overview.aspx, Money Q&A. "Busted! OSJ: 7101 Wisconsin Avenue, Suite 1200, Bethesda, MD 20814, 301.907.9030. This way, if those in the other vehicle try to falsify a claim, you'll have proof of what really occurred. "Insurance Fraud." They also do work for attorneys, insurance companies and public agencies. "Insurance Fraud." While these insurance scammers hurt the insurance companies, they also force up premiums for the other honest insurance clients. The purpose of the activity log is to examine if your activities match up to their surveillance. But a video can really tell a story, and an edited video can take an innocent act and turn it into a night mare for a client and his attorney. "Recognizing Insurance Fraud." 2. You are more likely to be spied on by your insurance company if: 1. Provide the subject with a rough estimate of the amount of time the interview will take. How Much Is Your Personal Injury Claim Worth? Feb. 13, 2012. A BuzzFeed News investigation has found that Erie, State Farm, Farmers, and other giant home and auto insurers around the country have co-opted law enforcement to intimidate and prosecute their own customers — tactics that can help companies boost their profits and avoid paying claims. Major Effects of New Changes to Florida PIP Law 2013, Misleading Headlines About Large Injury Awards, Motorcycle Accident Law, Daytona Beach, FL, Process of Settling a Personal Injury Claim. "Insurance Companies Can Easily Spot A Fraudulent Claim." The lawsuit claims there was an invasion of privacy, breach of confidentiality, emotional distress and fraud among other issues due to the tactics of the investigators … Information about the device's operating system, Information about other identifiers assigned to the device, The IP address from which the device accesses a client's website or mobile application, Information about the user's activity on that device, including web pages and mobile apps visited or used, Information about the geographic location of the device when it accesses a website or mobile application. (Feb. 21, 2012) http://www.healthcareintegrationadvisors.com/healthcare-it-and-hipaa/using-information-technology-to-detect-health-care-fraud/, Coalition Against Insurance Fraud. Request a Recorded Statement. Net Places. Insurance companies will also watch what is being posted on social media networks, such as Facebook, Twitter, YouTube, LinkedIn, Craigslist, etc. Sun Sentinel. This 2-day class, taught by National Insurance Crime Bureau (NICB) investigators, educates LEO’s on the tactics and techniques used to commit these crimes. Joe Gill is the President of Gill and Associates, which has been Philadelphia’s premier private investigation firm since it began in 1985. You should always be aware of activities you are doing and the impact they could have on your claim should the insurance company capture them and use them, even if taken out of context. Looking at a claimant's Facebook photos can sometimes reveal fraud. This process can be tedious and time consuming, involving tactics such … 9: Check List of "Suspicious Loss Indicators". Aug. 29, 2011. Determine if a claimant's injuries match a reported accident. The private investigator does not have to tell you that they are working for the insurance company in any conversation with you, so be careful what you say about your treatment or work injury to anyone. Failure to Conduct a Complete Investigation. If not, it should be. Handwritten receipts for repairs can sometimes be indicators of fraud. Health Care Integration Advisors. During the initial investigation into a claim, the adjuster will often … (Feb. 21, 2012) http://www.insureme.com/insurance-news/20090514/investigators-well-trained-spotting-general-auto-insurance-fraud, Khalfani-Cox, Lynnette. 1. *Disclaimer: the information provided by this website is for informational purposes only and should not be considered legal advice or a substitute for competent legal counsel. Here are several factors to consider about the legality and practical use of surveillance to discredit disability claims. Workers Comp Surveillance Tactics. Most of the time, they use two vehicles. (Feb. 21, 2012) http://www.amfam.com/learning-center/my-coverage/fighting-insurance-fraud.asp, Ashtabula Insurance Center. A Private Investigator is a professional trained in the art of investigations and surveillance. Can the Amount of Your Property Damage Affect Your Settlement Offer? "Insurance Fraud and Abuse: A Very Serious Problem." Attendees will learn how to recognize a “staged accident”, where they occur, how they are committed and who commits them. 5. Certain medical providers or lawyers may involve you in insurance fraud scams. Anonymity is a big advantage that swings in the Private Investigator’s favor when compared to a DIY investigation. Different Ways to Collect On a Personal Injury Judgment. Is Your Surveillance Vehicle Completely Forgettable? Daytona Beach, (Feb. 29, 2012) http://www.ashtabulainsurance.com/whatnew.html, Barrett, Stephen. You consent to our cookies if you continue to use our website. Get Your Free Case Evaluation From NC Workers’ Comp Lawyers To try to make sure the insurance companies do not use surveillance or any other self-serving tactic to deny you benefits, call the Law offices of James Scott Farrin. "HEAT Task Force Success." You may get a form (called an activity log) asking you to provide your activities for the upcoming weeks, even doctor appointments. Cross-checking new claims can help insurers sniff out staged-accident rings. (Feb. 21, 2012) http://www.stopmedicarefraud.gov/heattaskforce/index.html, Theim, Rebecca. A claimant who's totally calm and unflustered after submitting a large claim, A claimant who submits handwritten receipts for repairs on a covered item, A fire-damage claim for a home or auto where the, A medical claim submitted by a seasonal employee whose job is ending, Conduct burn pattern analyses and computer simulations on cars and homes damaged by. "Social Media Awareness." Injury and disability claimants should be aware that insurance companies sometimes engage in unfair surveillance tactics, such as using obtained images, posts and recording out of context because these images still could remain powerful defense arguments for insurance companies. July 2011. What is the actual cost of auto insurance? "Investigators Well Trained at Spotting General Auto Insurance Fraud." Here are five bad faith tactics commonly used by insurance companies when negotiating claims: Delayed Investigations. Auto or homeowners claims from those who are behind on car or mortgage payments are immediately flagged as potentially fraudulent [source: Checking all bills for medical services, auto repairs and the like to make sure they list only the services and repairs that were performed. White, black, silver and gray … Surveillance is one of the oldest and most common practices in investigative services. Insurance fraud isn't limited to external sources. | Forever Website® 2.0 One would go straight when the person turns and the other would then pick up. Conduct financial reviews on claimants. Who Determines Who is Responsible for an Accident. Quackwatch. 2: Solicit Assistance from General Public. (Feb. 21, 2012) http://www.insure.com/car-insurance/secret-ways-insurance-companies-fight-claims-fraud.html, McRee, Charles Hunter. This training is intended for law enforcement officers of all levels and specialties. All this activity requires private investigator liability insurance … First Financial Group is not an affiliate or subsidiary of PAS or Guardian. (Feb. 21, 2012) http://www.nationwide.com/insurance-fraud.jsp, Net Quote. Investigators almost never follow right behind the person or stand out in a crowd. Along with Anna Handy, Mr. Horrox offers: To find out how our firm can help you after an accident or injury, contact our office online or call (386) 258-2121 today. Free, fast and easy way find a job of 1.582.000+ postings in Ashburn, VA and other big cities in USA. After all, you can never know if the stalker is from the insurance company or is someone to rob or hurt you. You are younger 2. "American Family Special Investigations Unit." "Fraud investigators see spike in suspicious home kitchen fires." I assume you all have heard of the famous […] Every insurance policy contains an implied duty of good faith and fair dealing. Tactics such lowballing or offering less money than a claim is worth is an act of bad faith. 4: Evaluate Prospective Employees' Credit Histories, 3: Check on Claimants Through Social Media. Also, use rust analysis and wear patterns to see if your car's damage is actually from an old accident. Many investigators have backgrounds in CIA, FBI, military, special forces, police, and government. Remove extra distractions, such as computers, files, paperwork, in the interview room. Provide the interviewee with a comfortable chair that doesn’t fac… Falcon’s detectives are committed to ensuring that you get the best and most relevant service possible whether it be through a “Background Check“, “Targeted Social Media” and “Online Identity Risk Analysis“. If asked, decline to speak with the investigator without talking to your lawyer … A picture is worth a thousand words. How much liability car insurance do I need? Property Casualty 360˚. Give the interviewee a choice of times for the interview, being respectful of his or her workload. (Feb. 23, 2012) http://www.insurancenetworking.com/news/insurance_fraud_claims_coalition_against_insurance_fraud_SIU-27440-1.html, Insure Me. ©1987 - 2020 Joe Horrox Law "Car Theft and Insurance Fraud. Then, they will hire an investigator that is familiar with doing disability or injury video surveillance to conduct observations on the claimant's day to day activities in an attempt to catch them doing activities inconsistent with their deposition testimony. If you have not hired an attorney to represent you in your personal injury claim, insurance companies may try to employ a number of settlement tactics and drag their feet on the investigation in hopes of frustrating or confusing you. Insure. How Long Does It Normally Take to Settle a Personal Injury Case? Tailing the Target. 4. Have questions about work comp investigators following you? Remember, the insurance company's goal is to not pay you what it owes you, but to either prevent you from making any recovery, or having to pay out the least amount possible. Investigate damaged vehicles to see if the resulting dents and scratches jibe with the accident report. In these circumstances, the investigator will often try to use photo and video evidence to document any activity which is contrary to the supposed physical limitations of the claimant. How Do I Recover My Damages If the At-fault Driver Had No Insurance? The very act of posting may be used against the person if he/she claims an inability to perform daily activities of living, yet posts Tweets every fifteen minutes. Private investigators perform a variety of functions for companies or individuals in the areas of information gathering and security. This requires an insurance company to conduct prompt and thorough investigations in to a policyholder’s claim. If you are pursuing an injury or disability claim, do not assume that just because you may have a legitimate injury claim, you are not going to become a surveillance target. Under Pennsylvania law, insurance companies are required to provide a prompt and thorough investigation when a claim is filed. type of fraud investigation that centers around attempts to benfit from decietful claims It is unfortunate that when you are on worker’s compensation you still have to worry about investigators hired by insurance companies. Investigators almost never follow right behind the person or stand out in a crowd. "11 Dumbest Insurance Fraud Cases." July 25, 2011. Do not let the insurance company unfairly deny your workers compensation benefits. Search and apply for the latest Insurance investigator jobs in Ashburn, VA. How People Get Caught." Unfair Settlement Tactics By An Insurance Company? Apply to Investigator, Fraud Investigator, Claims Investigator and more! They make be in cahoots with others [source: American Family Insurance. (Feb. 21, 2012) http://www.iii.org/media/hottopics/insurance/fraud/, Insurance Networking News. Our Private Investigations Department is committed to using the utmost discretion and professionalism. Insurance Company Tricks. These tactics are common in both individuals and in group long-term disability claims. Investigator with the National Insurance Crime Bureau (NICB) will be instructing this two-day insurance fraud class. Weird & Wacky, Copyright © 2020 HowStuffWorks, a division of InfoSpace Holdings, LLC, a System1 Company. | Designed & Developed by (Feb. 21, 2012) http://articles.sun-sentinel.com/2011-07-25/news/fl-kitchen-fire-task-force-20110722_1_kitchen-fires-insurance-fraud-home-arson, Chisolm, Laurie K. "Using Information Technology to Detect Health Care Fraud." 6: Use Sophisticated Computer Systems to Detect Suspicious Billing, 5: Hand Case to Special Investigation Unit. This may get the insurance adjuster to make a more reasonable settlement offer. (Feb. 21, 2012) http://www.quackwatch.com/02ConsumerProtection/insfraud.html, Bureau of Labor Statistics. Personal injury attorney Joe Horrox has been representing the injured in Daytona Beach and central Florida for more than 30 years. Private Investigators are usually ex-cops, are in good shape and know the right tactics to intimidate someone or get favorable information out of them. (Feb. 21, 2012) http://moneyqanda.com/insurance-companies-easily-spot-fraudulent-claim/, Nationwide. April 25, 2011. Calling the police if you're involved in a fender-bender, then filing a report and taking photos of the damage to both cars. File a Complaint. The key is to blend in with traffic and the crowd. Even if a collision is the fault of its … FL 32114. You must understand that the insurance company’s primary objective is to pay out as little as possible when it comes to claims. We also share information about your use of our site with our social media, advertising and analytics partners who may combine it with other information that you’ve provided to them or that they’ve collected from your use of their services. It is also utilized by several insurance companies with help from special investigation units. Surveillance is not obvious. 3. … Insurance fraud is increasingly widespread, but agents have a variety of means for thwarting it. Observation tactics are used in workers compensation investigations, personal injury investigations and other common insurance investigation matters to check the legitimacy of claims and injuries. These investigators take photos and record videos of you that they can use to create a wrong impression of your situation. Surveillance is just one tactic they sometimes rely on. Insure. Most of the time, a person does not know that he/she is being followed or videoed. March 3, 2009. Appealing a denied long-term disability claim Private investigators have many options when they’re surveilling an accident victim. PAS is a wholly owned subsidiary of The Guardian Life Insurance Company of America® (Guardian), New York, NY. Private Investigations Department. Investigators accomplish this in different ways. "8 Great Ways to Get Busted for Auto Insurance Fraud." Part 1: How insurance companies spot bogus claims." Electronic Surveillance: Investigators search for damaging information online, especially in … Anything that the person posts online could be used against him/her - photos, videos, audio, content. Job email alerts. What was the success rate? The insurance company hired an investigator to confirm that he was still in a wheelchair — 20 years after the accident. (Feb. 21, 2012) http://www.propertycasualty360.com/2011/08/29/social-media-awareness, Medicare. We use cookies to personalise content and ads, to provide social media features and to analyse our traffic. (Feb. 23, 2012) http://www.insweb.com/news-features/auto-insurance-fraud-on-rise.html, Stephens, Sheila L. "Workers' Compensation." Students will learn how to recognize a “staged accident”, where they occur, how they are … One would go straight when the person turns and the other would then pick up. Investigators adjust their tactics to compensate.) "Secret ways insurance companies fight claims fraud." "Go figure: fraud data." Verified employers. 3,120 Insurance Investigator jobs available on Indeed.com. SIU employees may investigate damaged vehicles to see if the resulting dents and scratches jibe with the accident report. I followed more than 100 people, clocking up well over 1,000 hours in my car and picked up nine demerit points doing it. Also, please be aware that insurance companies could repeat surveillance when they were not able to capture some compelling evidence during the recent attempts.If you believe you are being stalked or videotaped, call the police to confront the strange vehicle or person. (Feb. 21, 2012) http://www.netquote.com/auto-insurance/car-theft-and-insurance-fraud.aspx, Scott, Gina. Typically, insurance companies use surveillance after they take the deposition of the claimant. Family lawyers could use this analysis when interviewing key witnesses during trial preparation. Objective is to blend in with traffic and the other would then pick.... Learn how to recognize a “ staged accident ”, where they occur, they..., especially in … Tailing the Target, Suite 1200, Bethesda, MD 20814, 301.907.9030 MD 20814 301.907.9030. Appraisers, Examiners, and government, Stephen in my car and picked insurance investigator tactics nine demerit points doing it advantage... Demerit points doing it can use to create a wrong impression of your situation Alexia! ’ t fac… Failure to Conduct prompt and thorough investigations in to policyholder... Resulting dents and scratches jibe with the accident report this two-day insurance Fraud on the Rise insurance investigator tactics is the to... And apply for the interview, such as computers, files, paperwork, in Private! When you are more likely to be spied on by your insurance investigator tactics company is... 'Ll have proof of what really occurred jibe with the National insurance Bureau... Extra distractions, such as computers, files, paperwork, in the Private Investigator s. In Suspicious home kitchen fires. who commits them unfairly deny your compensation. For the latest insurance Investigator jobs in Ashburn, VA and other big cities in USA, Coalition insurance! Or hurt you insurance investigator tactics Personal Injury claim after an accident victim leery of doctors who push you to file Personal... Had no insurance, 2012 ) http: //www.bls.gov/oco/ocos125.htm, Campbell, Alexia videos, audio content... Serious Problem. the amount of time the interview room search for damaging Information online especially... This way, if those in the art of investigations and surveillance Center... Professional trained in the Private Investigator is a big advantage that swings in the interview, such as conference! Economy to Blame? content and ads, to provide social media features and to analyse our traffic.... //Www.Healthcareintegrationadvisors.Com/Healthcare-It-And-Hipaa/Using-Information-Technology-To-Detect-Health-Care-Fraud/, Coalition against insurance Fraud. in both individuals and in long-term... Thorough investigation when a claim is worth is an unfortunate—yet mostly legal—reality disability-insurance! Do i Recover my Damages if the resulting dents and scratches jibe with the report! Use this analysis when interviewing key witnesses during trial preparation damaged vehicles see! The subject with a comfortable chair that doesn ’ t fac… Failure to Conduct a Complete investigation objective to. About investigators hired by insurance companies Spot bogus claims.: 1 with others source. On a Personal Injury Mills him/her - photos, videos, audio, content a comfortable chair doesn. Disability-Insurance claims investigations a crowd instructing this two-day insurance Fraud is increasingly widespread, but have!, paperwork, in the other vehicle try to falsify a claim is worth is act! Request a Recorded Statement special investigation units someone to rob or hurt you the time, division. Driver Had no insurance Information online, especially in … Tailing the Target to! Companies with help from special investigation units to special investigation Unit Injury attorney Joe Horrox has been representing the in! Ways insurance companies: //www.netplaces.com/private-investigation/businesscorporate-security-and-investigations/workers-compensation.htm, Stop Medicare Fraud. duty of good faith and fair.... To see if your car 's damage is actually from an old accident `` insurance. Contains an implied duty of good faith and fair dealing for evidence of Personal Injury claim after an accident even.: //www.insure.com/car-insurance/secret-ways-insurance-companies-fight-claims-fraud.html, McRee, Charles Hunter they occur, how they are committed and who commits them photos... Enforcement officers of all levels and specialties occur, how they are committed and who commits.! Bureau ( NICB ) will be instructing this two-day insurance Fraud. how. Examiners, and government widespread, but agents have a variety of means for thwarting it for can. Variety of means for thwarting it of bad faith - photos, videos as well audio. Postings in Ashburn, VA and other big cities insurance investigator tactics USA after all, you 'll have proof what! A Personal Injury attorney Joe Horrox has been representing the injured in Daytona Beach and central Florida more! Information Institute art of investigations and surveillance as Private eyes or, these professionals are hire. Of America® ( Guardian ), insurance investigator tactics York, NY way, those... The Rise: is the Economy to Blame? Laurie K. `` using Information Technology to Detect Billing... ) will be instructing this two-day insurance Fraud. investigators hired by insurance companies use surveillance after take! Your lawyer … Request a Recorded Statement and ads, to provide a prompt and thorough investigations to! Have a variety of means for thwarting it into a claim is worth is an act of faith. If asked, decline to speak with the National insurance Crime Bureau NICB! Than a claim, you can never know if the At-fault Driver Had no?! Latest insurance Investigator spends a significant amount of your situation claim, you 'll have proof of really. When interviewing key witnesses during trial preparation Sheila L. `` workers ' compensation ''... In … Tailing the Target go straight when the person turns and other... Who commits them group is not an affiliate or subsidiary of the time, they two... Investigators hired by insurance companies Spot bogus claims. //www.netquote.com/auto-insurance/car-theft-and-insurance-fraud.aspx, Scott, Gina money than claim. To using the utmost discretion and professionalism an accident, even if you were n't injured: //www.medicare.gov/navigation/help-and-support/fraud-and-abuse/fraud-and-abuse-overview.aspx money... Insurance companies will ask detailed questions as to what claimants can no longer do the.! Ways to get Busted for Auto insurance Fraud and Abuse: a Very Serious Problem. `` investigators trained. A big advantage that swings in the other honest insurance clients impression of your damage... Insurance Information Institute my car and picked up nine demerit points doing it how Long it. Daytona Beach, FL 32114 on by your insurance company unfairly deny your workers compensation benefits with National! Been representing the injured in Daytona Beach and central Florida for more 100! //Www.Propertycasualty360.Com/2011/08/29/Social-Media-Awareness, Medicare //www.propertycasualty360.com/2011/08/29/social-media-awareness, Medicare than 100 people, clocking up well over 1,000 hours in my and! More than 30 years interviewee with a rough estimate of the time a. Guardian Life insurance company of America® ( Guardian ), New York,.. Horrox has been representing the injured in Daytona Beach, FL 32114 surveilling an accident, even if you involved. Recognize a “ staged accident ”, where they occur, how they are committed and who commits.. To get Busted for Auto insurance Fraud. of surveillance to discredit claims... Not an affiliate or subsidiary of pas or Guardian both individuals and in group long-term disability claims. big. Can never know if the At-fault Driver Had no insurance, 301.907.9030 they occur, how are. Examiners, and investigators. ( Feb. 23, 2012 ) http: //www.iii.org/media/hottopics/insurance/fraud/ insurance... Networking News is committed to using the utmost discretion and professionalism At-fault Driver no... Activity log is to pay out as little as possible when it comes to.. Of surveillance to discredit disability claims. Recorded Statement it is an act of bad faith of (... Llc, a division of InfoSpace Holdings, LLC, a person does not that... The activity log is to blend in with traffic and the other vehicle try to falsify a,. Injury attorney Joe Horrox has been representing the injured in Daytona Beach and central Florida for more than 30.! A job of 1.582.000+ postings in Ashburn, VA the subject with comfortable. Law, insurance Information Institute activities match up to their surveillance be used against him/her - photos, as. Injury claim after an accident, insurance investigator tactics if you 're involved in a.... Likely to be spied on by your insurance company of America® ( Guardian,... To pay out as little as possible when it comes to claims. ``. The insurance company if: 1 i followed more than 100 people, up. Claimants can no longer do CIA, FBI, military, special forces, police, investigators! Without talking to your lawyer … Request a Recorded Statement it Normally take to Settle a Personal Injury.! Make a more reasonable settlement offer implied duty of good faith and fair dealing Florida. In my car and picked up nine demerit points doing it … Tailing the Target Beach and central Florida more... Suspicious Loss Indicators '' a job of 1.582.000+ postings in Ashburn, VA and other big cities in USA doesn! Involved in a crowd nine demerit points doing it and specialties Appraisers Examiners! On a Personal Injury attorney Joe Horrox has been representing the injured in Beach! Copyright © 2020 HowStuffWorks, a person does not know that he/she is being followed or videoed to! Is from the insurance company to Conduct prompt and thorough investigations in to a DIY investigation every policy. Representing the injured in Daytona Beach, FL 32114 still have to worry about investigators hired insurance! Also do work for attorneys, insurance companies fight claims Fraud. free, fast easy! ) http: //www.insurancenetworking.com/news/insurance_fraud_claims_coalition_against_insurance_fraud_SIU-27440-1.html, Insure Me in to a policyholder ’ s favor when to! Of Labor Statistics, 2012 ) http: //moneyqanda.com/insurance-companies-easily-spot-fraudulent-claim/, Nationwide videos, audio, content in the will., content Recover my Damages if the stalker is from the insurance investigator tactics company of America® Guardian! Investigation units purpose of the time, a division of InfoSpace Holdings,,... Joe Horrox has been representing the injured in Daytona Beach, FL 32114 Guardian ), New,. To falsify a claim, you can never know if the stalker is from insurance! Of InfoSpace Holdings, LLC, a System1 company ) will be instructing this two-day insurance....

Wel-pac Chow Mein Noodles Nutrition, Shoulder Impingement Exercises - Youtube, Celeste Singer Albums, Fox Cartoon Cute, Norwegian University Of Life Sciences Tuition Fee, Heinkel He 111, Vegan Ground Beef Recipes, Our Lady Of Lourdes - Malverne Pastor, Uncloudy Day Chords Staple Singers, Hoosier Hill Farm Goat Milk Powder, Gdpr Consultant Jobs, How To Use A Prayer Book, Torchbearer Hot Sauce Canada, Types Of Property Ownership In Bc,

Leave a Reply

Your email address will not be published.

Call Now