Details On One of ICBC’s Defense Tactics Using Video Surveillance

The Insurance Corporation of British Columbia (ICBC) insures drivers in the Canadian Province where it has its headquarters. Like any insurance company, it cannot overlook a figure that appears on the bottom line in its accountant’s book. Indeed, ICBC feels obligated to protect the company’s bottom line.

Still, an insurer must pay money to those policy holders that have a claim. Consequently, ICBC gives preference to those claimants that do not seek a huge payout. In order to take that approach, the province’s insurance company hires investigation companies.

Who gets investigated?

Certain of the policy holders with a claim get investigated. If a claimant has almost recovered from a given injury, ICBC’s chances for investigating that same individual increase. Similarly, if a claimant’s case takes on a high level of complexity, then again, ICBC’s chances for choosing to investigate that same policy holder’s case become much greater. The plaintiff might want to consult with an Injury Lawyer in Richmond before taking the case further.

What pattern gets followed during any investigation of a claimant?

Investigators use video surveillance in specific areas. There is no video surveillance in the homes. By the same token, investigators refrain from using video surveillance near a playground. Still, an investigator could snap footage of a claimant/policy holder making the trip from a private home to the nearby playground.

What strategy should an investigated claimant use, in response to any video surveillance?

Most victims have no reason to feel concerned, as long as their statements have been truthful. Investigators find a videotaping serves as an effective tool for investigators, if the investigated policy holder has not provided ICBC’s questioners with truthful answers, regarding the claimant’s/policy holder’s restricted activities.

The hired investigators try to capture video footage of a given claimant doing specific activities. Investigative teams strive to catch some scene of a claimant performing an action that he or she has said was impossible on an earlier date. Insurers suspect that claimants feel ready to carry-out more actions than those performed by a policy holder with a large or a complex claim.

Accident victims that keep a diary have no reason to worry about the use of surveillance cameras. Each of them can explain in a journal or diary the nature of any pain that was felt during performance of a taped activity.

Then, if the case goes to court, the judge and jury could read what was written in the journal or diary. That entry could reveal the degree of pain experienced by the person that was performing a certain action during a taped investigation. Ideally, those written remarks would match with the comments from someone on the witness stand, someone that has struggled to overcome ongoing pain. Because they matched, one set of comments would back-up and support the veracity of the second set.