Is The Insurance Company Watching You?

Is The Insurance Company Watching You?

Many may ask: is the insurance company watching you after an accident? When it comes to paying out monies, the insurance companies are going to do whatever they can to protect their wallets. In order to do that, they need to find evidence to use against your claim. This often comes in the form of surveillance in which they use in an attempt to undermine your claim. Some make it easier for them than others. If you say that you have back injury and then they have footage of you attempting 3-pointers in a pick-up basketball game like Steph Curry, you are going to have a significant problem trying to prove your claim.

Often times, surveillance occurs when an insurance company hires someone to follow you and videotape your activities. They do this  in order to determine whether or not your representations to them were truthful.  If you have filed an auto insurance claim, you should expect to be surveilled, because more likely than not, it will happen.

Surveillance can be performed typically any time throughout the duration of your accident claim or lawsuit. There is no way to know for certain if or when you will be surveilled, but here are a few key points to consider:

Surveillance often occurs in 3-day stints. Insurance companies generally consider this enough time to get a good sampling of your activities.

Prime time for videotapers. Most people are in their homes at night. Therefore, surveillance typically happens during normal business hours during the day.  

Some auto insurance companies conduct routine surveillance at the beginning of a claim. You could be surveilled shortly after they receive the initial information about your claim. They will start looking at your social media as soon as possible as well They may also perform surveillance after they receive any new information about you.

It can happen more than one time. If your claim continues over a long period of time, the insurance company can and probably will perform surveillance more than once.

They are more likely to surveil when they know where you are. A prime time for the insurance company to begin surveillance is after they have sent you to be examined by one of their doctors. This is a good time for surveillance to begin because they know exactly where you are.

Ever get that feeling like someone is watching you? There is no known set time when the insurance company will start surveillance on you. Therefore, it is important to be very careful about the activities you participate in. I am not saying to be paranoid or significantly deviate from the current activities that you participate in, unless it is something that causes you pain. I just recommend be smart when you do go out. If you have a back injury, it is not a good plan to go deadlift 300lbs, or attend the gym at all for that matter unless you have talked to your doctor. Be sure to watch out for:

– Strangers in your neighborhood

– Cars following you

– Someone who seems out of place

– An unfamiliar car parked outside of your home 

– Individual taking images of you

Remember, it’s typically legal for them to surveil you. The person conducting the surveillance can not go onto private property, but if they’re on public property, they can videotape or follow you.

Keyword: FOLLOW, as in social media. I advise all of my clients to make their social media private after an accident. It is important to post rarely, nothing if you can. Furthermore, it is important to not add new “friends” or followers that you do not know. Social media has become one of the easiest ways for an insurance company to see what you are up to. Do not give into the temptation until your case is finished. A picture is worth a thousand words? It can be worth thousands of dollars as well…

A final consideration: Again, be sure to not overextend yourself beyond what you should be doing. Moreover, be careful how you document it. If you have a bad back and you know that if you bend over to pick up your child, you will spend the next few days in pain – don’t do it. If you do, and the insurance company gets it on video, it will show you doing something that you stated on a claim form you were not able to do. They will never see the multiple days you spent in agony afterwards.


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I understand that the process after getting into a car accident can be difficult and stressful. You probably have a lot of questions and very few answers. Allow me to be there for you every step of the way. I offer a FREE no-obligation consultation and will review your accident claim with you personally at one of the office locations in TampaZephyrhillsSaint Petersburg, Wesley ChapelBrandonClearwater, Plant City Port Richey, or Sun City Center. Cannot make it to me? I will come to wherever is convenient to you at NO charge. You deserve to be compensated and I want to get justice for you!

Contact Car Accident Attorney Kevin L. Sullivan II TODAY at (813) 598-4868 for a FREE no-obligation consultation. I look forward to assisting you with your claim!

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