How Car Insurance Companies Access Surveillance Footage (2024)

How Car Insurance Companies Access Surveillance Footage (1)

Technology moves fast, and it is hard to keep up. This evolutionary flood of modern technology comes with tremendous advancements in video surveillance. City streets are full of cameras watching traffic. In addition, some security cameras watch over people’s porches and the surrounding streets, not to mention the endless supply of video footage from cell phones.

Among the many entities looking to take advantage of this endless stream of visual information is insurance companies. In order to prove or disprove liability, they will scour car crash scenes to find video evidence to use in a vehicle crash case.

An Atlanta car accident lawyer at John Foy & Associates will leave no stone left unturned while we are gathering information during a car crash investigation. Experienced car accident attorneys in Atlanta know how to be thorough and access the information that could be the key to recovering the full compensation you deserve for the damages you suffered.

Using Video Footage Legally as Evidence

Insurance companies often use video surveillance to gather evidence for car crash claims. As a matter of fact, insurance companies can be quite aggressive in obtaining recorded surveillance if it helps them avoid paying large settlements.

Georgia law does lay out some rules when it comes to attaining video surveillance. Videos cannot be used in certain situations, including:

  • Obtaining the video surveillance illegally
  • Paying someone to record video for the purposes of using it against the claimant
  • Attempting to use unauthentic video footage
  • If the footage is too blurry to make out what is happening in the video

The Means Behind the Insurance Company’s Methods

How extensive an insurance company’s investigation is depends on how costly they think the potential settlement will be. In cases with large settlements at stake, insurance agents may respond by scouring accident scenes, searching the surrounding areas for any evidence to help their case, and decreasing the settlement amount. Cameras capturing video evidence can be a crucial piece of evidence.

If a video is used as evidence in a car accident case, the insurance company should provide disclosure in advance. That is why it is so important for anyone involved in a car crash to be honest and forthcoming when filing an accident claim. If people are transparent about the causes of the accident and the extent of the injuries suffered, the claimant should have nothing to worry about.

Types of Video Footage Used as Evidence

Often when a car accident occurs, and it comes time to collect evidence to decide liability, the stories told by accident victims and insurance companies do not match. When disparities arise between the claimant’s account of events and the insurance company’s assessment, the settlement usually represents these discrepancies.

In these cases, an accident victim can consult with a car accident attorney and allow them to act on their behalf. To prove their client’s claim, the attorney will conduct their own investigation, analyzing data from various evidentiary sources, including:

  • Eyewitness interviews
  • Damage assessment to the vehicle
  • Law enforcement reports
  • Video footage of the accident or its aftermath

There are several types of video footage that may be available to use as evidence. Some of the sources for this footage may include:

  • Dashboard cameras
  • Residential security cameras
  • Business security cameras
  • Traffic cameras

Getting Access to Video Footage of an Accident

Even when an accident was not caught in the frame of the camera, video footage can still provide crucial details about how those involved in the crash were driving before or after the crash, like:

  • The vehicles’ speeds before the crash
  • Whether the brakes applied by the drivers involved in the crash
  • How did the drivers respond after the crash

Accident victims and attorneys have just as much access to the available video footage and police reports as the insurance company does. In the course of a thorough investigation, all avenues should be evaluated for possible evidence to prove liability. To retrieve video surveillance from a personal or a business’s security camera, reevaluating the scene in person may be in order.

In 2020, the Georgia Department of Public Safety made it relatively easy by launching a web-based platform to search, review, request, and retrieve open records like traffic camera footage. Time is of the essence in these cases because businesses or home security systems do not usually retain video footage for more than a month. Sometimes footage is recorded over or dumped for more digital storage space.

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404-400-4000

Do Not Hesitate to Act After a Car Accident

The sooner you act after a crash, the better. If anyone has a possible recording of a crash, a lawyer can draft and deliver a preservation letter to make sure the relevant footage is retained and not tampered with. A request can also be made for the other driver to preserve and allow access to their vehicle’s electronic control module (ECM). This device’s data records whether the brakes were applied and the vehicle’s speed immediately prior to the accident.

In cases when the other driver does not stop or remain at the scene, an attorney can request 911 call logs and try to track down any possible witnesses that may have reported the accident. They can reach out to these witnesses to ask what they saw, if they took any pictures, or if they recorded any videos on their cell phones.

Contact a Car Accident Attorney in Atlanta Today

When an insurance company gets aggressive, you need a car accident lawyer in Atlanta with experience handling these types of insurance companies. Trusted representation will advise you never to consent to give a statement or other evidence without their guidance. Do not give an insurance company any evidence they can use against you.

Statements and evidence can be manipulated and used out of context. Insurance companies have plenty of tricks they can use to win cases. An experienced Atlanta car accident attorney will draw the line on these types of maneuvers and work to protect your legal rights.

At John Foy & Associates, we have the wherewithal to stand tall against the insurance companies and use our more than 20 years of experience to get you the compensation you deserve. If you have been a car crash victim because of someone’s negligence, contact us today for a free consultation.

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404-400-4000 or complete a Free Case Evaluation form

How Car Insurance Companies Access Surveillance Footage (2024)

FAQs

Do insurance companies look at camera footage? ›

Insurance companies may conduct their own investigation in response to a particularly costly claim. This can include going to the scene of the accident and looking at surveillance footage or any other available evidence. Insurance companies may look at security camera or dashboard camera footage of the car accident.

Do insurance companies use surveillance? ›

Surveillance is the most common one. Typically, insurance companies use surveillance after they take the deposition of the claimant. At the deposition, insurance companies will ask detailed questions as to what claimants can no longer do.

Do insurance companies accept dash cam footage? ›

Insurance companies do not have automatic access to dash cam footage, but they may request it from drivers involved in an accident. It is up to the driver to decide whether or not to provide the footage. However, if the footage is requested and not provided, it could potentially harm the driver's case.

Do insurance adjusters follow you around? ›

While the insurance company may follow you at any time, there are certain times where it is most likely to occur. We typically see insurance companies conduct surveillance around claim-related appointments. These claim-related appointments could include IMEs or interviews with insurance representatives.

How far back do companies keep camera footage? ›

With commercial properties, the industry standard can range from 30-90 days, or entities may even store footage for longer depending on legal obligations. Banks and financial institutions, for example, may retain footage for several months or years, while a retail store may retain footage for only a month or two.

Can companies watch you through your camera? ›

Workplace surveillance laws usually allow companies to use video monitoring for legitimate business purposes. Contact an employment attorney if you feel your employer is videotaping employees without a reasonable business purpose.

How do insurance companies track you? ›

Insurance trackers plug into your car using a port typically found below your steering wheel. This is the same connection that a mechanic uses to read your car's computer data and discover any problems with your vehicle. The insurance company's device also reads your computer's data.

How does insurance surveillance work? ›

Active Surveillance

Some insurance companies will reach out to people you know and try to catch an inconsistency in your story. They're looking for any reason to deny you compensation and they will talk to people who know about the accident until they find something to use against you.

How do insurance companies screen for suspicious activity? ›

SARs are used to prevent and report the activities that seem to be related to money laundering. These reports can generate leads for law enforcement agencies. The insurance broker notifies the insurance carrier when suspicious activity occurs. Insurance carriers file SARs with FinCEN.

Do insurance companies like dashcams? ›

A dashboard-mounted camera (or “dash cam”) won't typically lower the cost of your auto insurance automatically. Almost no U.S. auto insurers offer a direct discount for installing a dash cam, but having one in your car could still have positive payoffs.

Can you refuse to give dashcam footage? ›

If the police request access to your dashcam footage, you have the right to refuse. However, if the footage is relevant to an ongoing investigation, the police may obtain a warrant to access it. In such cases, you are legally obligated to provide the footage.

Should I send dashcam footage to insurance? ›

Dashboard-mounted cameras record what happens in front of and around you while driving. Dash cam footage can help you prove to insurance companies you weren't liable for your car accident, helping you get a swift settlement with no questions asked.

Do insurance companies tap your phone? ›

Insurance companies cannot tap your phone, but they can request to see your phone records. They may ask you directly or they may go through court channels.

Can insurance companies read your text messages? ›

Can insurance companies track your phone? Insurance companies can listen to phone calls and read text messages, but they must have your consent to do so.

Why do insurance companies hire private investigators? ›

The purpose of the private investigator is to gather necessary information for the insurance company in regard to your claim. The investigator will typically take pictures of the accident scene, interview witnesses, and collect other evidence deem worthy, that can prove you were the at fault party.

Can you ask to see camera footage? ›

File a formal request.

Otherwise, video may be obtained via a subpoena, public information request, or Freedom of Information Act (FOIA) letter for the footage.

Can someone see my security camera footage? ›

Recorded images from your home security camera are your private property. If law enforcement asks to see your footage to help with an investigation, you have the right to say no. But if you've already posted security footage online or in an app like Ring Neighbors, the shared footage is no longer private.

Can you ask a company for camera footage? ›

To legally compel a business or property owner to provide security camera video evidence through a court of law rather than through voluntary cooperation, you typically must secure and serve the target with an authorized subpoena document issued by a court clerk or judge per local jurisdiction procedures.

Can you ask to see a security camera footage? ›

The first thing to know is that private individuals and businesses aren't required to give you their video footage just because you ask for it. It's their property, even if the footage shows things that happened on public streets and sidewalks.

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