Social Media Posts Could Be Used Against People in Insurance Claims

Social Media Posts Could Be Used Against People in Insurance Claims

NEW YORK, NY / ACCESSWIRE / April 24, 2017 / 4AutoInsuranceQuote, a company that offers free auto insurance rate comparisons, has just posted an interesting article on their website that may inspire people to be more careful about what they post on Facebook and other social media websites. Titled “Social Media Being Used For Insurance Investigations,” the article explains how certain posts could possibly get people into trouble with their insurance companies.

According to the new article, insurers and law enforcement officials are monitoring social media posts to check for insurance fraud. As the article notes, people sometimes file a police report, contact their insurance company to let them know about the accident and then make posts about it on Facebook, Twitter and other sites. Unfortunately, the article says, if people reveal incorrect details about the accident, the insurance claim could end up being denied.

Interestingly, 4AutoInsuranceQuote is not the only website that has posted an article about the connection between social media posts and possible denials of insurance; the CBS News website also ran a story on the same topic, claiming that because so many people are on social media, the sites are routinely monitored for evidence of fraud. An article on the Claims Journal website agrees with this premise, stating that investigation and social networking research are “a required tool.”

As the new article on 4AutoInsuranceQuote noted, insurance companies could also possibly check a driver’s social media account for photos of what the vehicle looked like prior to the accident. And if the driver was injured during the accident, adjusters could possibly look at current photos to see if and how the incident has impacted the person’s life.

“There are currently no laws or restrictions on an insurance adjuster’s ability to scour social media sites for information to aid their investigation,” the new article noted, adding that in the law’s eyes, any information listed on public websites, such as Facebook, Twitter, Instagram, Tumblr and others is fair game.

“Often times, the first step in a claims investigation is to run a simple Google search on the claimant to reveal all of their social media profiles.”

About 4AutoInsuranceQuote:

4AutoInsuranceQuote is a car insurance rate comparison engine located in New York City. Since 2008, 4AutoInsuranceQuote has provided more and one million free car insurance quotes to Americans. Please visit for a free insurance quote today.

Brad Whitman


Yes, Ontario insurance is a wreck, so you need to shop around

Yes, Ontario insurance is a wreck, so you need to shop around

Last week, the Financial Services Commission of Ontario (FSCO) told us what we already know: Auto insurance rates in Ontario are the highest in the land. In fact, they’re higher by an average of 55 per cent.

The Liberal government promised cuts of 15 per cent back in 2013; that measure was supposed to be in place by mid-2015, a goal we all watched go streaming by with nary a nudge. They’ve since declared it was always a “stretch” goal, whatever that is. Kind of like an alternative fact, perhaps.

Auto insurance has always been a hot election issue, and the timing of the current whipping is expected. One thing to keep in mind? Every party has screwed the pooch when it comes to this topic, with the NDP handing a fumbled ball to two successive Conservative governments who bobbled it to the incoming Liberals. They’re all as bad as each other at promising to do something, then opening the box the day after the election and grimacing.

It’s a mess.

Read More Here:

Ontario auto insurance rates increase as report slams system

By Allison Jones


TORONTO _ Auto insurance rates in Ontario rose in the first three months of 2017, putting the Liberal government further away from its already-missed goal of cutting rates by 15 per cent by August 2015.

Approved rates posted this week by the Financial Services Commission of Ontario show an average increase of 1.24 per cent.

In 2013, the Liberal government promised a 15-per-cent average cut, but after the self-imposed deadline came and went, Premier Kathleen Wynne admitted that was what she called a “stretch goal.”

The new approved rates put the average cut since 2013 at a little over seven per cent.

A report by Ontario’s auto insurance adviser quietly posted last week found that the province has the most expensive auto insurance premiums in Canada despite also having one of the lowest levels of accidents and fatalities.

David Marshall found that the average auto insurance premium in Ontario is $1,458, which is almost 55 per cent higher than the average of all other Canadian jurisdictions.

If Ontario’s premiums were closer to the Canadian average of about $930 it would save Ontario drivers almost 40 per cent or about $4 billion a year, he wrote.

The system favours cash settlements in lieu of care, Marshall found. Sprains and strains the majority of claims often take more than a year to settle and about one-third of overall benefit costs goes toward competing expert opinions, lawyers’ fees and insurer costs to defend claims instead of going to treatment, he wrote.

Marshall’s recommendations include adopting a “care not cash” approach, exploring better ways to care for people who are catastrophically injured and making lawyers’ contingency fees more transparent.

The government says it will consult with stakeholders on the recommendations.

It has already lowered the maximum interest rate that an insurer can charge for monthly auto premium payments, prohibited minor at-fault accidents from boosting premiums and introduced a winter tire discount.


Ontario Releases Report on Auto Insurance

Ministry of Finance

Ontario continues to move ahead in making auto insurance more affordable for Ontario’s almost 10 million drivers.

Today, the government released a report by David Marshall, Ontario’s adviser on auto insurance, which recommends transformative steps to strengthen consumer protection, improve health outcomes for those injured in collisions and reduce insurance costs, including:

  • Prohibiting most cash settlements
  •  Implementing mandatory programs of care to treat common injuries
  • Introducing independent, hospital-based examination centres to provide single medical assessments
  • Increasing the financial services regulator’s role in monitoring and investigating practices in the auto insurance system

The government will consult on the recommendations and announce details of those consultations in the coming weeks.

Affordable auto insurance and improved health outcomes for those injured in accidents are part of Ontario’s plan to create jobs, grow our economy and help people in their everyday lives.

Quick Facts

  • Minor injuries account for between 70 and 80 per cent of auto insurance claims while catastrophic injuries account for about one per cent.
  • Ontario’s recent auto insurance reforms have resulted in lower insurance rates, and include prohibiting rate increases for minor at-fault accidents, helping drivers with disputes get their benefits sooner, making towing and vehicle storage rates transparent and implementing a winter tire discount.
  • David Marshall is a former president and CEO of the Workplace Safety and Insurance Board, and an insurance expert. He is also an adviser to the government on pensions.

Additional Resources


Charles Sousa

“Over the last several years, we’ve introduced important changes that have reduced auto insurance costs and lowered average premiums. We know that to achieve more savings for drivers and to address fraud, we need to transform the current system. Mr. Marshall has put much thought into these recommendations and I want to thank him for his work.”

Charles Sousa

Minister of Finance

ICBC looks at anti-distracted driving technology

ICBC looks at anti-distracted driving technology

As part of ICBC and the B.C. government’s continued commitment to reducing distracted driving, today ICBC posted a Request for Information (RFI) on B.C. Bid for market research and technology aimed at reducing distracted driving.

ICBC is interested in understanding what technological solutions are available in the marketplace to limit or prevent driver distraction resulting from the use of personal electronic devices while driving.

Exploring available anti-distracted driving technology is just one possible way to address the problem of drivers using personal electronic devices. ICBC and government remain committed to finding ways to reduce crashes, injuries and fatalities caused by distracted driving.

Last month, ICBC, government and police launched a month-long distracted driving campaign to raise awareness of the dangers and consequences of distracted driving.

In support, enhanced police enforcement targeting distracted drivers was increased and Cell Watch volunteers were roadside in support of the campaign. B.C. drivers can also show their support by displaying a ‘not while driving’ decal on their vehicle, available for free at ICBC driver licensing offices and participating Autoplan broker offices.


Todd Stone, Minister of Transportation and Infrastructure
“Keeping British Columbians safe on the road is our number one focus,” said Todd Stone, Minister of Transportation and Infrastructure. “Exploring new anti-distracted driving solutions in the marketplace aims to do just that, while staying current in today’s digital world. But despite our best efforts it starts with drivers committing to driving distractions-free.”

Mike Morris, Minister of Public Safety and Solicitor General
“Distracted driving is one of the leading causes of car crash fatalities in B.C. – and each one of them is 100% preventable. Our tough penalties are driving home the message that distracted driving will cost you, but when lives are at stake, it’s just as important to look at all preventative options, like new technology, so we can keep our roads safe.”

Mark Blucher, ICBC’s president and CEO
“We’re looking at every option to deter distracted driving including the potential use of new technologies,” said Mark Blucher, ICBC’s president and CEO. “We understand the temptations of glancing at a ringing phone or received text message while on the road, so we’re exploring every option to prevent distracted driving. ICBC’s rates are under considerable pressure from a significant increase in crashes and we’re doing all we can to keep people safe and rates as low as possible.”

Media contact

Sam Corea

Intact Financial Corporation Opens Fourth Canadian Service Centre

Intact Insurance and belairdirect customers in Montreal can now experience a simpler, faster and more convenient auto claims process with the launch of a new Intact Service CentreTM. This Service Centre is the fourth to open in Canada; the first opened in Calgary last year, followed by Ottawa and Toronto.

Once at the Intact Service Centre, the customer is able to drop off the damaged vehicle and leave in a rental vehicle, while Intact Insurance or belairdirect makes arrangements to get the vehicle appraised, repaired and cleaned. The drop-off process takes approximately 30 minutes. As soon as the vehicle is fixed, the customer picks it up and returns the rental vehicle. There is no need to wait for a repair date, go to a repair shop, or arrange a rental car.

“We know accidents are stressful events. With the Intact Service Centres, we want to reduce that stress by simplifying the repair and claims process, so customers can get back on track as soon as possible” said France St-Louis, Deputy Senior Vice President, Claims (Quebec).

Over 5,000 customers have been served since the launch of the first Intact Service Centre, each one of them benefiting from repair and rental convenience, and a faster claims experience.

“So far, we have received great feedback from our customers in Ontario, and Alberta. Thanks to this innovative one-stop Service Centre model, we are improving the customer experience, streamlining our processes and enhancing repair quality,” added St-Louis.

About Intact Financial Corporation
Intact Financial Corporation (TSX: IFC) is the largest provider of property and casualty (P&C) insurance in Canada with over $8.0 billionin annual premiums. Supported by over 12,000 employees, the Company insures more than five million individuals and businesses through its insurance subsidiaries and is the largest private sector provider of P&C insurance in British Columbia, Alberta, Ontario, Québec, Nova Scotia and Newfoundland & Labrador. The Company distributes insurance under the Intact Insurance brand through a wide network of brokers, including its wholly owned subsidiary, BrokerLink, and directly to consumers through belairdirect.

SOURCE Intact Financial Corporation

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