This thesis delves into the insurance investigation industry and the use of investigations for automobile underwriting purposes. An evaluation is made based upon the methods and practices of the leading investigative firm, Retail Credit Company. By using Retail Credit's manuals, directives, and interviewing both management personnel and field men, it is established that the investigator is working under pressures of quotas and constraints that m 'e it virtually impossible to complete a valid report.Two major automobile insurance companies are interviewed to determine the usage of these reports and what effect they have on underwriting. The Fair Credit Reporting Act is examined to the extent that it affects the investigative industry and the insurers.

LL.M. / Please refer to full text to view abstract