Strategy
Insurance Surveillance: How Carriers Try to Discredit Claims
• 2 min read
Insurance companies hire investigators to surveil claimants and look for activities inconsistent with reported injuries. Be aware.
Insurance carriers routinely hire private investigators to surveil claimants — especially in cases with significant lost income or non-economic damages claims.
Investigators document daily activities looking for anything that could be portrayed as inconsistent with reported injuries: lifting groceries, playing with kids, working in the yard.
Be aware of surveillance possibilities, but more importantly, don't misrepresent your activities or limitations to your medical providers or your attorney. Honest documentation defends itself.
Social media is another surveillance tool. Carriers monitor public posts and use them in claim assessments and litigation.
If you suspect surveillance, tell your attorney. They can sometimes obtain the surveillance footage in discovery and use it to your advantage.
Pre-settlement funding gives you the financial stability to wait for the right resolution rather than rushing to settle under surveillance pressure.
Frequently asked questions
- Should I wait for my settlement instead?
- If you can comfortably cover your bills, waiting is often the cheaper option. Funding exists for claimants who would otherwise be pressured into accepting a low early offer.
- Is a pre-settlement cash advance a loan?
- No. It is non-recourse funding tied to your personal injury claim. There are no monthly payments, and if your case does not recover, you owe nothing.
- Do I need good credit or a job to qualify?
- No. AARC does not run a credit check and does not require employment or income verification. Approval is based on the strength of your claim and your attorney's representation.
- How fast can I get funded?
- Most approved applicants receive funds in as little as 24 hours once AARC has the case documents from your attorney.
- How much does it cost?
- AARC uses a flat fee rather than compounding monthly interest. Typical advances are $500, $750, or $1,000, and the illustrative payoff at settlement is 2x the advance amount.
About the author
Written by the funding team at AARC — Accident Advance & Resource Center. AARC underwrites pre-settlement cash advances for personal injury claimants and works directly with plaintiff attorneys across 45 states. Our team reviews case documentation daily and writes from that firsthand experience.
This article is general information, not legal or financial advice. Always confirm details with your attorney. Contact AARC or call (800) 297-3834 with questions about your specific case.
