Do insurance companies follow you after an accident?

Asked by: Sterling Gorczany  |  Last update: March 15, 2025
Score: 4.7/5 (15 votes)

In some cases, an insurance company may hire a private investigator to follow you throughout your day to gather evidence about your activities and injury claims. If you are in public or in a place where privacy isn't expected (like outside your house), an insurance company may be able to spy on you.

Do insurance claims follow you?

Yes. There are specialty consumer reporting agencies that collect and report information about the insurance claims you have made on your property and casualty insurance policies, such as your homeowners and auto policies. They may also collect and report on your driving record.

Is it illegal for insurance companies to follow you?

It is legal for private investigators hired by insurance companies or defense lawyers to survey you in public spaces. However, if a private investigator has surveiled you in a place that is considered private, like inside your home or in a fenced backyard, this would be illegal.

What is the Oregon law on car accidents?

Fault and Negligence Laws in Oregon

After an auto accident, a common question is who was responsible and who will pay for damages. Oregon is an at-fault state, which means that someone will be determined to have been most to blame for the accident. That person will be responsible for paying for property damages.

Do insurance companies track you?

Most major car insurance companies today offer programs for the purpose of tracking your driving. However, such programs are completely voluntary. Your insurance company can't track your vehicle unless you agree. Let's say you opted into such a program, but you want to drop out.

Do Insurance Companies Acutally Spy on You? | Fontana Personal Injury Attorney

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Can an insurance company follow you?

In some cases, an insurance company may hire a private investigator to follow you throughout your day to gather evidence about your activities and injury claims. If you are in public or in a place where privacy isn't expected (like outside your house), an insurance company may be able to spy on you.

How long does an accident stay on your record in Oregon?

The certified court print driving record includes most traffic violations and accident entries for at least the previous five years. Serious criminal traffic offenses, such as driving under the influence of intoxicants, may remain on the record permanently.

Do I have to talk to the other driver's car insurance company after an accident?

You are not legally required to speak with the other driver's insurance company or give a recorded statement. They often employ tactics to use your statements against you, potentially minimizing your payout. You should report the accident to your own insurance company.

Is Oregon a no-fault state?

Oregon is not a “no fault” state. Oregon follows a “fault” based system. In Oregon, the person who was “at fault” for causing the accident is responsible for any damages or harm resulting from the accident. This would include injuries, damage to vehicles, lost income, etc.

How often do insurance companies do surveillance?

Insurance companies typically use surveillance during the daytime when claimants conduct business and do their daily routines. Surveillance is likely to occur in three-day blocks over an extended period of time.

Can an insurance company ignore you?

Insurance companies may ignore even valid claims for a range of self-serving reasons: They want to avoid paying out money whenever possible to maximize profits. They are chronically overwhelmed and disorganized with high claim volumes.

Does insurance follow the person?

The Insurance Policy Follows the Car and Not the Driver

Under California law, in most instances, the insurance policy attaches to the car itself. If someone was driving your car, it would be your insurance policy that paid for the damages.

Can insurance companies see your claim history?

Every insurer scopes out your recent claims history as well as the claims history for the home when you switch insurance companies or purchase a new policy. This helps them price your policy.

Why does the insurance adjuster want to meet with me?

After you file a claim, the adjuster will contact you about the accident. They are looking for facts about the case to determine whether you are entitled to a settlement and for what amount.

Can an insurance company find out about an accident?

Whether it's through police reports, the other driver filing a claim, or even witness statements, insurance companies have many ways to find out about accidents.

Is it better to use your insurance or theirs?

After a car accident, you should notify your insurance company and file a claim, and not deal with the other driver's insurer. Except in rare circumstances, it is not wise to contact them. Your insurance company represents you, and the other driver's insurance company represents them.

Should you talk to the other person's insurance company?

You are not legally obligated to speak with the other insurance company's representative or provide them with any information. Politely decline to discuss the specifics of the accident or your injuries and inform them that any necessary information will be provided through your car accident lawyer.

What happens if I don't call my insurance after an accident?

There is no California law per se about notifying your insurance company after a collision, but your auto insurance policy is a contract. When you signed it, you agreed to the stipulations in the contract, which will almost certainly include the requirement to notify the insurance company promptly after an accident.

How do I remove an accident from my insurance record?

While some insurance companies will offer a promotional program called "accident forgiveness" in situations where drivers are not found at fault, you cannot remove an accident occurred from a driving record. Your driving abstract is not like a criminal record that can be sealed or expunged.

How long will an accident affect my insurance?

Typically, the DMV will hold onto these records for around 3 years, but this can go up to 10 years if the accident involves a commercial vehicle. This 3-year countdown also starts on the day that the accident occurred.

Can car companies track your car?

Yes! You see, a fleet tracker not only keeps track of a vehicle when it is parked or moving but at the same time, a telematics solution would also keep a close watch on the overall health of the vehicle. Additionally, the device would also alert the fleet inventory manager if someone tries to break into the vehicle.

How do I block my phone from being tracked?

You can stop someone from tracking your phone by turning on airplane mode, configuring settings like location services, clearing cookies, using a private browser, and using a VPN.