Using Social Media & The Internet To Investigate Claims

NetWatch assist insurers globally by providing fast, low cost & actionable intelligence to aid decision making

As use of the internet, social media and apps has grown so has the potential for using the information therein to investigate claims.

Intelligence gained from the internet and social media can assist in making liability decisions, setting reserves and even gathering evidence of insurance fraud that can be used to repudiate claims.

Open Source Intelligence Investigation (OSINT) can be applied to most types of claims be they injury, motor, theft, commercial property, holiday sickness or even pet insurance.

At NetWatch Global we search hundreds of social media platforms, globally, from image and video sharing applications to employment networking sites and even exercise tracking apps. If an individual has an online presence we will find it and analyse it for relevant content so that you can make more accurate decisions.

Critically no investigation undertaken by NetWatch leaves any form of footprint, including any temporary social media posts that may need to be captured.

NetWatch can help improve decision making at FNOL

At NetWatch all of our services are geared at providing intelligence that can improve decision making at every stage of a claim’s journey, with FNOL no exception. There is one service however that can totally change the way a claim is handled right from the outset, and that is NetWatch Incident Investigation.

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What might a social media investigation reveal that could aid an insurance investigation?

  • Results obtained from social media sources can paint a clear picture of the claimant/plaintiff and their lifestyle.
  • The level of activity on a claimant’s Strava account could contradict the extent of their alleged injuries.
  • A claimant may upload or feature in photographs depicting them wearing a Rolex watch they had claimed was stolen.
  • Conversations within the comments of a news article or in posts concerning road traffic accidents or incidents in commercial properties could reveal key eyewitnesses, or even the identities of those involved.
  • Evidence to undermine the supposed impartiality of witnesses to a collision. For example, a witness who claims to be impartial could be found to be friends with a claimant on Facebook, or tagged in an image alongside them on Instagram.
  • A claimant may upload a post regarding an incident, along with graphic images of their broken leg, enabling an accurate picture of the extent of their injuries to be established.
  • Many individuals create social media accounts for their four-legged companions, and these can provide invaluable intelligence for pet insurance claims.
  • LinkedIn activity can accurately inform us if a claimant has taken on new employment since the index incident.

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