When you file a workers’ compensation claim, you might assume it’s a straightforward process. After all, you were injured on the job, and your employer’s insurance is supposed to cover your medical expenses and lost wages. However, insurance companies often investigate claims rigorously to minimize payouts. Understanding the tactics they use can help you protect your rights and navigate the process effectively.
Here’s an overview of the strategies insurance companies commonly use to scrutinize and investigate workers. comp claims:
1. Monitoring Social Media Activity
Social media has become a powerful tool for insurance companies. Adjusters may scour your Facebook, Instagram, Twitter, or other platforms for evidence to dispute your claim. For instance, if you post photos or videos engaging in activities that contradict your stated injuries, even innocuous ones, the insurer might use that as evidence against you.
For example, if you claim a back injury but post a picture of yourself gardening or playing with your children, the insurance company could argue that you’re not as injured as you claim. Even posts from friends or family that tag you in activities can raise red flags. It’s essential to adjust your privacy settings and be cautious about what you or others share while your claim is active.
2. Using Private Investigators
Insurance companies sometimes hire private investigators to observe claimants in person. Investigators may follow you, take photographs, or record video footage to capture evidence of your daily activities.
This surveillance often occurs when you leave your home, such as while running errands or attending appointments. If they see you lifting heavy objects, exercising, or engaging in physical activities that seem inconsistent with your injuries, this could be used to challenge your claim.
Private investigators may also interview neighbors or coworkers to gather more information about your lifestyle and activities before and after the injury.
3. Conducting Recorded Statements
Shortly after you file your claim, the insurance company may request a recorded statement. While this may seem like a routine part of the process, these statements are often used to find inconsistencies in your account.
Insurance adjusters are trained to ask leading or tricky questions that could prompt you to say something that undermines your claim. For instance, they might ask you to describe your injury in detail multiple times to identify discrepancies in your story.
You are not legally obligated to provide a recorded statement without first consulting an attorney. Having an experienced workers’ compensation lawyer on your side can ensure that you don’t unintentionally harm your case.
Protecting Your Rights
At Kornbluth Ginsberg Law Group, we know how intimidating these investigations can be, especially when you’re trying to recover from an injury. That’s why our workers’ compensation team is dedicated to protecting your rights and ensuring you receive the benefits you deserve.
If you’re dealing with a workers’ compensation claim, remember that insurance companies are not on your side. They are experienced at using every tool at their disposal to reduce or deny your benefits. Our workers’ compensation attorneys, Mr. Mackay and Mr. Shapiro, have more than 50 years of combined experience handling workers’ compensation claims in North Carolina. Put this experience to work for you. Contact our office today for a free consultation and let us help you navigate the claims process with confidence.
