Why Was My Personal Injury Claim Denied by Insurance?

Just like a workers' compensation case, personal injury cases can sometimes be worth a lot of money. If a person is injured due to the negligence of another person, group, or business, their medical bills may be expensive and long-term. Insurance companies may be resistant to pay full benefits to the injured person. To achieve this, they may deny a claim or try to prove that the injured person isn't injured at all. Surveillance is a common way of doing this. 

Legality of Surveillance in Florida Personal Injury Cases

Surveillance is legal in Florida in some cases. It is legal for someone to take pictures or video of your activities outside of your home. However, it is illegal for them to record your voice without your consent. According to the law, it is also illegal for anyone to intercept phone calls or other electronic communication and use it without your consent. 

If you are injured and your claim is worth a lot of money, a private investigator might be hired to observe your activities. Those who have to pay the money--insurance companies, private businesses, or individuals--may resort to this tactic if they think you are exaggerating the injuries to win a large settlement. This is nothing to worry about if you follow instructions given to you about your recovery. If a doctor tells you not to lift more than 10 pounds, don't lift more than 10 pounds unless necessary. 

A private investigator may try to observe you doing the following activities if they conflict with the recovery recommendations:
  • Working in your yard or on your home
  • Shopping or running errands
  • Lifting children, groceries, or other heavy objects
  • Exercising or playing sports
Your case can be severely damaged by the images a private investigator collects. If you suspect that you are under surveillance, let an experienced attorney know immediately. Private investigators, according to Florida law, are required to:
  • Be licensed by the state
  • Satisfy good moral character requirements
  • Pay all required fees for licensing

Recovering from a personal injury is hard enough without the concern of surveillance. If you are ever unsure, consult an attorney to learn what a private investigator can and cannot do when it comes to your right to privacy. 


Call 407.648.4940 or contact Coye Law Firm today for a free consultation about your case.

The expert injury attorneys at Coye Law Firm are experienced with Florida, New York, Michigan, and District of Columbia law and are here to help the injured.

If you'd like to learn more about injury law and your rights, read my book, Sharing the Secrets, Learning the Lies: A Guide to Florida Personal Injury

From this book you will learn… 

  1. The ONE THING you must do within 14 days of your accident (page 46)
  2. The two most important factors in determining case value (page 8)
  3. How to understand what your insurance will and will not cover (chapter 3)
  4. 6 critical steps you must take after an accident (chapter 7)
  5. Why you should not trust the insurance company’s repair shop (page 78)
  6. How to choose the right doctor (chapter 5)
  7. A claim you could make against your own insurance company if your car is damaged, but not totaled (page 87)
  8. The secrets to getting a fair settlement (chapter 10)
  9. An 8-step breakdown of the normal process for lawsuits (page 121)
  10. The one 4-letter word that might cost you (chapter 12)
  11. How to start gathering the most important evidence you need (page 75)
  12. …and more!

Click here to receive your FREE copy now.