Do Insurance Companies Monitor Injured Parties?
If you’ve been injured in a Maryland car accident and have filed a claim, you might be surprised to learn that the insurance company could be monitoring you. Insurers often use surveillance tactics to investigate claims and look for evidence that could reduce or deny compensation.
To learn more about how surveillance is used in injury claims, connect with a Baltimore personal injury lawyer. Doing so can help you protect your rights and secure the full settlement you deserve.
When Insurance Companies Use Surveillance
Insurance companies typically conduct surveillance when they suspect that an injured party is exaggerating or fabricating their injuries. Surveillance is typically more likely in cases involving large claims or when there are disputes over the severity of injuries. This includes situations involving long-term disability claims and when there are inconsistencies between medical records and the claimant’s reported limitations.
While not every claimant is watched, insurers often use surveillance to look for activities that contradict the injured person’s statements or medical reports. What type of surveillance could be used will depend on the situation.
- Videos and photos. Investigators may follow an injured party in public places, capturing images or videos of daily activities that could be used to dispute the severity of injuries.
- Social media monitoring. Insurers frequently review claimants’ social media accounts, looking for posts, photos, or check-ins that suggest they are more active than they claim.
- Direct observation. Private investigators may watch an injured person’s home, workplace, or public outings to document their mobility and behavior.
- Online research. Insurers may search public records, employment history, or any online information that contradicts injury claims.
When you are moving forward with a legitimate injury claim, there are precautions that can help you ensure that insurance companies do not misinterpret or manipulate your activities. For one, follow the medical advice you are given. This means always adhering to your doctor’s treatment plan and restrictions. So, if medical records state that you should avoid lifting heavy objects, don’t risk being caught on video doing so.
Best practices also include being mindful of public activities and limiting social media use. Even routine activities like carrying groceries, attending social events, or walking without visible difficulty could be misconstrued by insurers. And when you avoid posting photos or updates, it simply removes the possibility of something being taken out of context. Even a picture of you smiling at an event could be used to argue that you are not in pain.
Assume You Are Being Watched
Until your case is resolved, be cautious about your actions in public and remain consistent. A Baltimore personal injury lawyer can help protect you from unfair surveillance tactics, guide you on what to avoid, and ensure that your rights are upheld throughout the claims process.
Do you think surveillance tactics have been employed by an insurance company you are currently negotiating with? If you suspect you are under surveillance and need legal guidance, consult with the attorneys at Iamele & Iamele, LLP to fortify your position. Contact us to book a confidential appointment.
