Do Insurance Companies Use Surveillance?

What many injury victims don’t realize is that insurance companies frequently use surveillance tactics to try and discredit claims. When filing a personal injury claim, you may assume that your biggest challenge is proving the extent of your injuries. But while documentation is part of the process, it is also important to recognize that if you have a high-value injury case, there’s a strong chance you are being watched.

If you suspect you’re being tracked by insurance representatives or have concerns about your claim, talk to a Miami personal injury lawyer. A skilled injury professional can provide the guidance you need so you are able to secure the compensation you deserve.

Types of Surveillance Used in Injury Claims

Insurance companies are businesses focused on minimizing payouts. If they can find any evidence to suggest that your injuries are not as severe as claimed, they may use it to deny or reduce your compensation.

For example, surveillance may help insurers challenge the severity of injuries. So, if they can secure documentation of you engaging in physical activities that contradict your claim, they will use it against you.

Insurance companies use various surveillance methods to monitor injury claimants, including:

• Video and photo surveillance. Investigators may follow you in public places, capturing footage of you walking, carrying objects, or engaging in activities that could question your reported injuries.
• Social media monitoring. Your online presence is fair game. Posting pictures of vacations, workouts, or even smiling at a family gathering could be misinterpreted to suggest you’re not in pain.
• Private investigators. Some insurers hire professionals to track claimants, take notes on their routines, and document activities that might contradict medical reports.
• Neighbor and workplace interviews. Investigators may talk to coworkers, neighbors, or acquaintances to gather statements about your daily habits.

These avenues may be used to dispute credibility, as inconsistencies between your medical reports and observed behavior can raise doubts. An insurance company may also pressure you into accepting a lower offer when they inform you of surveillance they’ve obtained.

How to Protect Your Injury Claim

When pursuing compensation, it’s essential to be aware of potential surveillance and take steps to protect your claim. For one, you need to stick to your treatment plan. Always follow your doctor’s recommendations and avoid activities that could worsen your injury. It is also in your best interests to be mindful in public, assuming that at any time an insurance investigator could be monitoring you.

An experienced Miami personal injury lawyer can help you navigate surveillance tactics and counter any unfair attempts to discredit your case. Attorneys are familiar with surveillance as a common strategy used to challenge injury claims. By partnering with a legal professional and being cautious in your daily activities, you can prevent insurers from unfairly undermining your case.

Is your injury claim one that requires a high settlement amount? Talk to the legal team at Spencer Morgan Law about how information is gathered by insurance adjusters and the possibility of surveillance tactics being employed. Call 305-423-3800 to schedule a confidential consultation.