Insurance Companies Are Watching You

Davis Law Center

Insurance companies are businesses with a financial interest in denying claims whenever possible. As such, if you’re seeking compensation from an insurer after an accident, you should expect that it will monitor you to see if your activity lines up with what you’ve told it. The insurer might track your social media posts, assign an employee or private investigator to watch you or talk to your friends or family about what happened without informing you. And if it finds anything out of order, it won’t hesitate to deny or reduce your claim.

Is It Legal for Insurance Companies to Spy on You?

Unfortunately for Michigan accident victims, insurance companies have the right to surveil someone who has filed a claim. Insurers justify spying on people by saying they need to watch out for fraud.

In many cases, though, the alleged examples of fraud that insurance companies discover are honest mistakes, not intentional deceptions. For instance, someone who is not supposed to lift heavy objects after an accident might pick up their child to play with them or hold them. While picking up their child might technically violate that person’s medical restrictions, they’re doing so out of parental instinct, not to commit fraud. An insurance company likely won’t see it that way, though, and will use whatever evidence supports their argument to reduce a claim’s value.

There are limits on how an insurance company can spy on you. For example, an insurance company generally can’t surveil you at home or send someone onto your property without your permission. A lawyer can tell you more about your rights and protect you from intrusive actions by an insurer.

Ways Insurance Companies Can Spy on You

A Michigan personal injury lawyer can provide more information on ways insurance companies might spy on you, but some common tactics they use include:

  • Social media surveillance – The insurance company will likely monitor your social media posts after an accident to look for evidence they can use against you. For example, if you’ve said your injuries keep you housebound, a photo of you out in public with friends or family might indicate your injuries aren’t as severe as you say. Similarly, a post describing the accident in a way that contradicts what you’ve told the insurer might lead it to question your claim.
  • Interviews with friends and family – An insurance company might send someone to talk to your friends and family after an accident to gather information about you. While your friends and family don’t want to hurt your case, they might do so inadvertently by sharing incorrect or misleading information the insurer can twist against you.
  • Following you in public spaces – While insurance companies generally can’t spy on you in your home, they can follow you in public and take pictures or videos. Photos or videos of you engaging in certain activities could undercut the severity of your injuries.

How To Protect Yourself from Insurance Company Surveillance

You don’t want to give an insurance company any evidence they could use against you. Here are a few tips to protect your privacy after an accident:

  • Stay off social media entirely if possible, but at least avoid posting about the accident.
  • Ask your friends and family to refrain from posting about you or the accident.
  • Tell your family and friends not to talk to any insurance company representatives.
  • Assume you’re under surveillance in public and avoid doing anything that could undercut your claim, such as engaging in strenuous physical activities.
  • Follow your doctor’s orders, especially any restrictions on physical activities.

A Farmington Hills & Detroit injury lawyer can protect you from invasive insurance company tactics and help you fight for maximum compensation. Call the Davis Law Center now or complete our contact form for a free consultation.

About the Author Neil Davis, owner of Davis Law Center, is a seasoned attorney specializing in personal injury cases. With over 30 years of experience, he has successfully secured millions in compensation for injured individuals. Neil is a dedicated advocate for justice and an active member of legal associations. Personal injury law is complex and best handled by a competent attorney who can effectively evaluate, prepare, present, and fight to win your case. Neil prides himself on doing all these things for his clients and would be honored to have the opportunity to discuss your case with you.

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