Insurance companies are for-profit businesses. They aim to earn profit through its services and is involved with its own interests, unlike those of the public (a non-profit corporation).
One of the best methods to do that is by rejecting as many claims as possible, or at the very least revaluing them and paying out the most diminutive amount of compensation they can.
Insurance companies need a reason to minimize a claim, which is why they seldom hire private investigators to spy on accident victims. Below, read more about what private investigators may look for and how it may be used against you.
If you have questions about your insurance claim, you can take assistance from accident lawyers.
WHAT IS A PRIVATE INVESTIGATOR HIRED TO DO?
Private investigators know how to stalk a person while remaining mostly undetected. They also know how to look into someone’s history, including their investments and criminal record, if the victim has one. Private investigators may be capable of discovering things about an accident victim that could destroy their credibility or dispute the cruelty of their injuries.
While we may think it is unethical for insurance companies to hire private investigators, they protect themselves from their perspective. In New Jersey, the Trade Commission found the most insurance fraud. This might make insurance companies suspicious about the legitimacy of claims that are registered. They may hire private investigators if they assume impostor or stretching of an injury. It is not easy to deal with an insurance company solely; you will need a skilled person to guide you to get a fair amount of compensation.
IS IT LEGAL FOR AN INSURANCE COMPANY TO HIRE SOMEONE TO FOLLOW ME?
While hiring someone to spy on your loved one may seem immoral and deceitful, it is not illegal. A private investigator is legally allowed to do:
Observe your social media
Follow you during your movement from home to work, the grocery store, etc.
Check your public records.
Take photos of you while you are in a public area.
HOW DO I KNOW IF A PRIVATE INVESTIGATOR IS ASSIGNED TO MY CLAIM?
Private investigators are skilled at covering in plain sight to collect the information they need from you while drawing as little attention to themselves as possible.
If you notice a vehicle you do not know in your neighborhood or the same vehicle over and over at places you frequently visit, it is possible you are being followed by a private investigator. Unfortunately, it is easy to find a private investigator, mainly a proficient one.
If you have claimed for a severe injury, the insurance company will probably try their best to devalue it. That means there may be chances they may hire someone to follow you.
DEFENDING YOUR CLAIM
Unless you inflated your injuries or are violating your doctor’s orders, you don’t need to worry about if the insurance company hired a private investigator to follow you. You should have nothing to cover. If you have any doubt and questions about a preexisting injury, talk to your injury attorney about it. If the private investigator finds it and tells the insurance company, you want your lawyer to be prepared.
WHAT OTHER TACTICS DO INSURANCE COMPANIES USE?
The insurance company can also check your social media accounts. Insurers may not necessitate hiring an investigator to learn more about you. They could simply look at your Facebook profile.
Apart from social media posts, an insurance company may look for articles about you, photos of you, or personal and business information to check if any information you gave them contradicts what you have stated elsewhere. They can also check your public records and whether you have been involved in any crime or not.
Other inspection tactics may be used before you even file a claim. Most motor vehicle insurance companies grant discounts for using their devices, such as Progressive’s “Snapshot” program to track where you go and what your driving.
CALL A LICENSED ATTORNEY FOR ASSISTANCE
Hire licensed attorneys with years of experience dealing with insurance companies, and know all the tactics they use to deny or devalue claims.
Give Vecchio injury law a call today to discuss how they may be able to protect your rights.