Insurance companies have one primary goal: minimize payouts. When you file a personal injury claim, adjusters are assigned to investigate every aspect of your case, and social media has become one of their most valuable tools. They're looking for posts, photos, videos, comments, and check-ins that contradict your injury claims or suggest you're exaggerating your damages. This practice is completely legal in California, as anything you post publicly can be used as evidence.
According to industry reports, insurance adjusters find contradictory social media evidence in approximately 75% of cases they investigate. They're trained to look for specific red flags: photos showing physical activity inconsistent with claimed injuries, posts about vacations or social events suggesting you're not suffering, comments minimizing your injuries or accepting fault for the accident, and even metadata from photos that can reveal location and timing information. What makes this particularly dangerous is that insurance companies often hire specialized firms that use advanced software to scrape and archive your social media content, creating a comprehensive digital profile that can be presented in settlement negotiations or court.