Throughout the last few years, increasing numbers of auto insurance companies claims adjusters, and attorneys have been probing consumers’ social media accounts when they file claims, looking for evidence to prove that they were made under false pretenses. Facebook is probably mined the most, but claims-investigators also examine Twitter, Google Plus, LinkedIn, Instagram, Pinterest, and Foursquare.
According to the Insurance Information Institute, most insurance companies have special investigation units (SIUs) that look at social media if they have any reason to suspect fraud.
Large numbers of claims have been denied because social media posts and photos called their validity into question, especially in cases of bodily injury. If policyholders report, for example, that an auto accident caused a back injury, and then share photos in which they’re playing sports, the claim will probably be considered fraudulent.
Drivers in Cincinnati, OH need to be sure that their posts are consistent with the information they provide when filing a claim. Motorists are likely to call unwanted attention to their claim if they report driving against a doctor’s order or under the influence of medication. If they claim a physical limitation because of their injury and then share posts in which said limitation seems non-existent, they will raise red flags.
There are a few things Cincinnati, OH drivers can do to protect themselves from social media scrutiny.
Investigating claims via social media is legal if the claimant’s settings are "public." Users should restrict their settings so that only friends can see them. However, this does not guarantee complete privacy. Drivers are best-advised not to post about their auto accidents on social media at all. If that’s already happened, they may be able to dispute the decision if their claim is denied.
Contact Advantage Insurance Network to discuss your options.