Facebook is everywhere. I am on it.  My kids are on it.  Even my mother-in-law is on Facebook. Millions of people are using it every day. It is a social networking site that can be useful, addictive and an important source of information. Facebook is a tool utilized by employers, investigators, police officers, lawyers and even by insurers to do background checks.

Through Facebook lawyers have found evidence for cases of fraud, police have caught criminals, and insurance adjusters have collected information that would lower the value of insurance claims. Insurance companies are now monitoring social media sites. This may take money from accident victim’s pockets. Check out this news story from Seattle that shows how posting on Facebook can lead to lowering the value of your personal injury damage claim or delay you receiving medical treatment for your injury.

I can tell you that this guy wasn’t smart about it but in my opinion the insurance company over reacted. Kurt Norland posted pictures of himself drinking a beer and hanging out at the beach while he was collecting worker’s compensation benefits. Based on the pictures his benefits were cut off and a shoulder surgery postponed. This was done by the insurance company even though an MRI showed a rotator cuff tear. Did Norland deserve this treatment from the insurance company? Probably not, but he put himself in this situation by not monitoring his Facebook account and making his posts private. Never post anything on Facebook or any social media site that in any way could lower the value of your personal injury claim. His case was eventually won by his attorney, but I am sure the delays and the fact that no benefits were being paid was frustrating.

Another person posted a video of him pulling kids on an ATV while collecting disability. A lady was tagged in photos showing her taking helicopter flying lessons while she claimed to be severely injured. If they weren’t hurt this may be insurance fraud, but what were they thinking? These posts have destroyed their claims at the very least.

As a Facebook, Twitter & LinkedIn one must control the privacy settings. As a personal injury attorney I suggest you mke sure that your profile, photos, videos and posts are only visible to your friends and not to everyone else. It is also important to choose your friends well. You might approve someone you don’t know whose job is to investigate you through your Facebook account. In some cases even the apparently irrelevant is twisted to make you look uninjured or to be lying about your injury. Insurance companies might find something that could ruin your insurance claim and cave you to receive less then what you deserve or nothing. The bottom line is, check what you post and be in control of your privacy settings.

      Facebook, Twitter, My Space and other social networking sites are becoming more and more popular not only with kids but with all age groups.  You may have read about employers using these sites to help screen job applicants or to check up on their employees.  There are recent cases where jury verdicts have been over turned because jurors had made updates on their social networking site during the trial.  Everyone is on Facebook. Everyone is tweeting.

      Guess what? These sites are not just for fun and keeping up with friends.  Insurance companies and their attorneys are using these sites too.  Adjusters are checking Facebook, Twitter, etc. and looking at blogs to get information about the accident victim.  There may be valuable information about you on these sites that could severely damage your Kentucky auto accident case.

      The insurance adjusters’ job is to pay you as little as they possibly can on your injury claim. Social media sites and blogs can help them accomplish their objective.  You voluntarily put all of your personal information on these sites.  You load personal photos on these sites.  Friends make comments about you. You put videos on YouTube.  Internet surveillance may be the only investigation the insurance company has to do.

      Why are insurance companies looking at social media sites?

·          To confirm or disprove the severity of your injury.

·          To confirm or disprove your ability to perform activities and sports.

·          To confirm or disprove your ability to work.

·          To confirm or disprove whether you interact normally with friends and family.

      Pictures, videos, personal information, posts and comments can wreck your case.  When you become an accident victim, you begin living in a glass house.  You MUST be aware of how your pictures and comments will be viewed.  Sometimes even the most innocent and seemingly irrelevant things can be twisted to make it look as if you were not injured or that you are lying about being injured.  Just look at what happened to Michael Phelps.

      Even making the pages private may not stop the insurance company from seeing it.  You may inadvertently make a friend or follower out of someone the adjuster knows.  You make a friend or follower out of the law clerk of the attorney that represents the insurance company.  If your case goes to Court, the Judge may order you to produce your social media page.

I know you are not going to quit using these sites, but here are some tips in dealing with your social media pages:

• Don’t post anything you wouldn’t feel comfortable having the insurance adjuster read.

Be Careful!

• Check your privacy settings and block anyone you do not know from viewing your personal pages.

• Search your name on all sites that you are a member of and on Google to see what comes up.  See what photos you have been tagged in and take the appropriate action to remove photos you are not comfortable with.

• Do not accept any friend requests or answer any e-mails from people you don’t know.

THE BOTTOM LINE…USE COMMON SENSE AND PROTECT YOURSELF AS YOU USE YOUR SOCIAL MEDIA SITES.   They are fun and they are addictive, but they can be used against you in many different ways.