Anonymous asked in Politics & GovernmentLaw & Ethics · 1 year ago

Would a car insurance company send someone to spy on me and film me after an accident?

I was hit in a head on collision that was unavoidable. A woman lost control of her vehicle on the highway, hit a guard rail and was propelled into oncoming traffic and she hit me.

I was driving the speed limit, in my lane, minding my own business and then I got hit head on by her car. I couldnt get out of the way because cars were all moving to the right to avoid getting hit and there was no where for me to go and it happened so quick, she was going to hit someone and that was me.

I have a bad arm injury as a result and told my doctor I have a hard time with groceries and pushing a shopping cart.

2 weeks ago a man was filming me with his phone in the grocery store, I was creeped out and quickly moved away from him to another part of the store.

Then when I got outside to the parking lot I saw this same guy sitting in a truck parked behind my car and he was filming me walking to my car, unloading my groceries, putting my cart back and then walking to my car. He even kept filming me sitting in my car, I could see him in my rearview mirror.

It looked like he was filming me with a cell phone.

Was this just a creep or would the car insurance company go so low as to have someone stalk me like this?

I'm still working btw


I also wanted to add that I don't leave my house except to go to work, go grocery shopping or go to physical therapy/pharmacy/doctor appointments. They can't seriously expect that I just won't go grocery shopping, push a cart or unload groceries. I don't have an assistant to do this for me. I think it's so foolish to claim someone isn't injured because they have to carry on with their life. It hurts to use my arm but the alternative is I don't get groceries. It's just bias I think

23 Answers

  • ron h
    Lv 7
    1 year ago

    it's possible if you are or may claim a disability was caused by the accident.

  • 1 year ago

    I have a friend who filed a workman's comp claim due to an injury. A serious back injury where he had to have surgery. Nothing routine and he was in a lot off pain. Were it not for pain meds, I doubt he could get out of bed.

    So, he spotted this out of place car and suspected he was being filmed. He and his wife decided to give some good footage. He went into the garage with his wife and she pulled out a folding chair and a lawn mower. He sat in the chair while she mowed the lawn and sure enough, they were being filmed.

    So, yes, insurance companies do check to see if people are really injured. And, yes, everything you say and do will be used against you. You can shop, you can, but you will be in pain doing so. Howsoever, the camera only picks up images, not the pain. This is how insurance companies get away with paying out claims.

    The insurance companies charge a premium price for coverage, but once you need to draw on that coverage, they will do everything and anything not to pay out on a claim. It is infuriating.

    When you are called out on your shopping trip footage, you can simply state that you saved up your meds so you could shop pain free and without medication, you cannot shop.

  • John
    Lv 6
    1 year ago

    If the person was from the insurance company, you shouldn't have any problems as long as you told them "you have a hard time with groceries." If you claimed you were unable to shop at all, it might be a different story.

  • 1 year ago

    Yes.... It is quite possible.

    Years ago I was involved in a "fender bender" that was my fault. Despite being pretty cool about it at the scene and saying he was fine, my insurance company told me two weeks later that the other driver was claiming damages for "serious bodily injury and lost income from being unable to work."

    Over the next 3 or 4 months I had to attend a couple depositions and give several phone interviews....then, one day the lawyer for my insurance company called and said "thanks for all your time...the other driver dropped his claim."

    When I asked why the sudden change the lawyer chuckled and told me they had hired a private investigator to "trail" the other driver. They had compiled pictures of him jogging through his neighborhood, working out at his gym and even dancing at nightclubs. When presented with the file, the other driver's counsel dropped the case and dropped him as a client.

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  • 1 year ago

    Its very possible, but not because the insurance company is being "so low", but because fraud is so common. Obviously in your case it is not a worker's compensation case, but perhaps an issue of what you may be claiming against the damages you (or your insurance company) is claiming against the other driver.

    But like you, we are just speculating, and it could be you just happened to look like a long lost relative or someone on the most wanted list the person just saw at the post office. You never know. Next time, feel free to ask.

  • steve
    Lv 7
    1 year ago

    Yes if you have claimed an injury as a result of the accident and they suspect you are exaggerating.

    If you are not overplaying your injury and they record you then you have nothing to worry about.

    If you have claimed your arm is so hurt you have limited use and they film you humping shopping using the injured arm then you are busted.

    It is standard practice.

  • 1 year ago

    Insurance companies and government agencies will absolutely record the activities of people who have filed claims for injury compensation. Insurance fraud is rampant. People who are legitimately injured, they leave alone when it's obvious they have issues. These agencies understand that people have lives to live and can't always have someone with them to do the shopping and other chores. They are looking for the people who claim they can't work but are up on ladders, cleaning the gutters, or out playing golf. And they find them.

  • 1 year ago

    There’s no point in recording you if the case has been settled.

    If you apply for disability saying you can’t work then the company might have someone record you but if you’re still working and didn’t apply for disability then it’s a creep.

    Are you wearing short skirt. He could be trying to film you as you expose your panties.

  • Pearl
    Lv 7
    1 year ago

    i wouldve taken his license nurnber and reported hirn to the police, its illegal to filrn sorneone without perrnission

  • Anonymous
    1 year ago

    Yes they will send investigators if you filed a lawsuit against them for damages medical or property.

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