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- Social Security Disability
It would be nice to believe that all personal injury claims are completely honest and legitimate claims by genuine victims. Unfortunately, some people try to game the system and file claims that misrepresent the true extent of their injuries. For this reason, insurance companies have special surveillance departments whose job it is to investigate suspicious claimants to see if they are telling the truth. This is called “sub rosa investigation,” and you and your Cuyahoga County disability attorney should try to avoid it, even if your case is genuine. If the surveillance unit observes something about you they think is suspicious, they will document it and bring it up in court, forcing you to explain it.
Not all cases are selected for surveillance. There are some factors that make a case much more likely to be selected for surveillance. Here are some common red flags seen by insurers:
If the initial notification letter from your Cuyahoga County disability attorney about your claim is drafted and dated the same date as your injury, the insurer will find this suspicious. Even moreso if the letter actually predates the date of your injury. While you should try to understand the system, claims adjusters are suspicious of claimants who are “claims conscious” and who seem to know exactly what to do to game the system.
Some claimants who are faking an injury go to the trouble of limping into the office to pick up a settlement check and making a show of their injury. The problem is if they weren’t limping while crossing the parking lot to get there. Any adjuster who notices this will be able to put the pieces together.
The claimant never seems to be home when the insurance adjuster calls with questions about the case. A claimant who is injured and has been ordered to take it easy and not go to work should be reachable at home during business hours. If the adjuster can’t connect at home, the adjuster will wonder what the claimant is doing all day when he is supposed to be recuperating.
Even if the adjuster is able to reach the claimant at home, the claimant is unwilling to come to the phone to answer basic questions because he or she is watching TV. Any genuine claimant should want to make sure the adjuster has the information needed to handle the claim.
Some doctors and physicians have a reputation of being pro-plaintiff and work together with certain law firms in order to bill insurance companies. If your doctor has this reputation, you might face questions about how you found this doctor and how he knows your attorney.
If you have enemies in life, such as disgruntled co-workers or a former spouse, they might be inclined to make an anonymous call to the insurance office that your injuries are not entirely legitimate. They might encourage an investigation into your daily activities.