Tips for Adjusters: Get the Most Out of Surveillance Videos
The key to surveillance videos is to aid the process of disproving fraudulent claims, or rightfully payout the deserving. These tips will help the adjuster make the appropriate decision.
Consistency: Surveillance will not guarantee a benefit to the adjuster, but it will allow you to see if the claimant is legitimately injured. The inconsistency of a claimant’s behavior, such as walking with a cane at the doctor’s office, but appearing to not need it at the grocery store while carrying six bags, is an observable red flag. An extreme example, but it has happened. Numerous days of surveillance is the best way to catch the discrepancy but be sure to look for subtle differences, as well.
Canes/Crutches: Look for proper use. Are they carrying the equipment but not necessarily using it? Do they make use of it in front of a physician, but disregard it when they leave the office?
Medical Limitations: After acquiring the information from the physician about the claimant’s limitations, pay close attention to whether or not the claimant is exceeding them. If the “injured” is prescribed to stay off of their feet for a distinct amount of time, and surveillance video shows them jogging before the allotted time is up, there may be significant evidence to deny the claim.
Previous Claims: Previously filed worker’s compensation or automobile claims is another huge, red flag. If research on the claimant proves him/her as a repeat offender, surveillance would be the most effective method.
Ultimately, the key is to prove regularity in the claimant’s behavior. If they are repeatedly participating in activities in which they are supposed to stay away from, chances are the claim is fraudulent and video surveillance is the perfect means to attest it.
Information obtained from: Work Comp Roundup Website & Blog