Will My Insurance Company Use Video Surveillance After a Car Accident (2024)

FAQs

Will My Insurance Company Use Video Surveillance After a Car Accident? ›

Yes, insurance companies may use video surveillance after a car accident if such footage is available. Insurance companies may conduct their own investigation in response to a particularly costly claim.

Surveillance can be performed any time throughout the duration of your claim (or lawsuit, if you are involved in a lawsuit with the insurance company). There's no way to know for certain if or when you will be surveilled, but here are a few key points to be aware of: Surveillance usually occurs in 3-day stints.

Even though dashcams are increasingly popular, many insurance companies have not fully embraced dashcam video in auto accident claims. Insurance companies generally consider video evidence to be similar to photographs and do not give dashcam footage additional weight.

Insurance adjusters will ask for a recorded statement as they are gathering information soon after the accident. This helps them to determine fault and how much compensation should be paid. Everything you say in your statement will be transcribed and put into a document, which becomes part of your claim file.

Insurance companies may conduct their own investigation in response to a particularly costly claim. This can include going to the scene of the accident and looking at surveillance footage or any other available evidence. Insurance companies may look at security camera or dashboard camera footage of the car accident.

If you're suddenly being followed by strangers, or if someone is trying to get too close to you, this could be a sign that you're being watched. Keep an eye out for any vehicles which seem to be following you, and take note of the registration plates.

Under the concurrent review process, the insurance company will monitor the insured's hospital stay to make sure that everything is proceeding according to schedule and that the insured will be released from the hospital as planned.

You should be prepared for them to spy on you at any time before your claim is settled. However, you should be especially cautious before an examination by their doctor, your deposition, and your jury trial because these are the most common times that the insurance company would engage in surveillance.

Can Insurance Tap Your Phone? Insurance companies cannot tap your phone, but they can request to see your phone records. They may ask you directly or they may go through court channels.

Do insurance companies ask for video footage? ›

After a car accident, any insurance company will use video surveillance in order to determine what took place, what damage was caused, and to try to work out who was at fault.

Dash cam footage can be used as evidence in most courts across the US. If there's evidence of a crime and a police officer, or someone involved in the case, subpoenas dash cam footage from you, you must provide it – if you refuse, or try to delete the video, you could face fines or even jail time.

It depends. If it's your dashcam you can view anything on it without anyone's permission. If the dashcam belongs to the other person, it's up to them if they share it with you, however if the dashcam video is later provided to law enforcement, you can ask them if you can view it, and that decision will be up to them.

Insurance adjusters are trained to find flaws in your story and ask certain leading questions that may end up with your recorded statement being used against you later. For example, they may ask you how you were injured in the crash, how you are feeling now, and what the extent of your injuries are.

There are many reasons why the answer to the question, “Should I call my insurance if it was my fault?” is a resounding yes. In fact, you likely agreed to do so as part of your insurance contract. Make sure to check your policy documents carefully.

As a rule of thumb, stick to the facts. You should never lie when filing or discussing a claim with any insurer, as doing so may compromise your claim and lead to serious legal trouble down the line. However, you should also protect your interests by only providing the information you are required to by law.

SARs are used to prevent and report the activities that seem to be related to money laundering. These reports can generate leads for law enforcement agencies. The insurance broker notifies the insurance carrier when suspicious activity occurs. Insurance carriers file SARs with FinCEN.

The insurance adjuster will most likely ask you for permission to record your conversation. There are two things to keep in mind about this: It is generally standard operating procedure for companies to record every phone call. Limit what you say and only answer questions directly.

These audits are very common when it comes to General Liability insurance, liquor liability insurance, workers compensation insurance and similar commercial/business insurance policies.

While the insurance company may follow you at any time, there are certain times where it is most likely to occur. We typically see insurance companies conduct surveillance around claim-related appointments. These claim-related appointments could include IMEs or interviews with insurance representatives.