The world of social media is constantly growing and changing, which means our awareness of what we post online needs to continue to develop as well. Most people are aware that what we post online could potentially have a positive or negative impact on our reputations. However, now more than ever, a wide range of influential people – managers, potential clients, and even insurance companies – have access to content many individuals believed to be “private.”
It is easy to get swept up by our daily lives, and the urge to post our thoughts on what we are experiencing in the moment can be hard to resist. It’s important to keep in mind that what we post online can easily come back to haunt us when an insurance company begins researching our claims.
Like every major business, insurance companies are recognizing the important role social media plays in their field. Nowadays, claims adjusters and other insurance professionals are using social media to research character assessments of their clients including habits, activities, and financial information. Additionally, they are using our profiles to identify relationships of involved parties and locate any witnesses.
There are many ways our social media personas can put us into a compromising situation, and this is especially true with our insurance companies. Here are some tips to help ensure your reputation remains spotless.
If you post an update or a video on one of your social media channels after an incident, be sure you are being transparent. If you report the incident to your insurance company with a different time, place, location, or involved parties, you could be flagged for insurance fraud.
For example, imagine the business owner who submits a claim for stolen laptops. If an employee posted an update on Facebook that he witnessed his boss selling their computers online, the business owner could be facing some serious insurance fraud charges.
Similarly, if a driver gets into a car accident and tries to claim they were not at fault, a social media post making light of texting and driving will not help their cause.
Always be transparent and report the details of your claim factually to your insurance contact. In the end, it will save you a lot of time, stress, and paperwork.
Watch What You Post
It is easy to post pictures on all channels with one click of a button, but in some cases, your pictures can be used as proof against you.
For example, if you tell your employer that you injured yourself at work, but posted photos of your fall while out with friends the night before, your employer’s workers compensation insurance may reconsider your claim.
Similarly, if you are out of work on a workers compensation claim because your doctor says you are unable to return to work because of your injury, posting photos while surfing or mountain biking may put you at risk of being charged with insurance fraud.
Talk with the Experts
Regardless of the incident, it’s always essential to be honest and transparent about the facts when you submit an insurance claim. In our modern society, information exists on the Internet that we may not realize is even there. Additionally, be aware of your privacy settings and never accept requests to connect from individuals you don’t know, as it may be an investigator as opposed to a friend.
At Clemente Insurance, we work with you to fully understand your insurance needs and educate you with insurance tips. To discuss your policies, contact Your Insurance Experts at Clemente Insurance and Financial Services by calling (888) 995-9098.