This is just a reminder that with better weather and a loosening of lockdowns, insurance surveillance is back on the insurance agenda.
If you’ve had inquiries from your insurance company about verifying your address, chances are a surveillance is being planned. In the last year, surveillance was not a good risk alternative since most people and businesses should have been locked down. But now, surveillance is out of hibernation, and I’d be very careful of exceeding medical restrictions and limitations.
For those of you who may be new to Lindanee’s Blog, insurance surveillance is a “seeing is believing” risk management activity that could prove to a jury you exceeded medical restrictions. It’s not something you can take back, although surveillance can be challenged on many different levels. Those who say, “I don’t care about surveillance because I don’t do anything wrong”, clearly don’t understand the process. Insurance companies can misrepresent nearly anything.
Warm weather will entice insureds outside engaging in family outings, picnics, gardening etc. DCS supports that all insureds should only engage in activities within reported medical restrictions and limitations and avoid adverse observation all together. DCS clients have already been made aware of additional precautions to take.
Remember, surveillance is not something you can take back. You can get on the defense merry-go-round, but “seeing is believing” and observed activities will stay in your record forever.
