Insurers ‘Spy’ On Ordinary Americans, Deny Claims and Coverage

College student David Karnauch took this selfie on an unauthorized section of the Brooklyn Bridge. (Credit: David Karnauch)

Tech Experts: What You Post Online Could Be Directly Impacting Your Insurance Coverage

March 21, 2019

NEW YORK (CBS) — What insurance policy holders do in their daily lives may not be so private.

If you’re posting any information publicly online, your insurance company could be using it to determine your coverage, CBS2’s Natalie Duddridge reported Thursday.

Posing in front of a great white shark and dangling your feet out the side of a helicopter — those types of pictures may get you likes on Instagram, but only dislikes from your insurance company, which could consider it dangerous, tech experts say.

“Especially for claims, they look into social media, looking to see if someone’s driving a motorcycle without a helmet or posting pictures drinking and smoking,” said Duarte Pereira, senior VP of FitechGelb.

Experts say searching your online presence could become a standard practice of the insurance underwriting process that could affect life insurance, car insurance, home insurance, and even pet insurance.

For example, posting while driving could label you as a distracted driver and impact your policy renewal. By sharing your family’s vacation online, insurers could claim you put your home at risk to burglars.

Even snapping a selfie with your new dog without disclosing the pet could affect your home insurance … Read more. 

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