{"id":3888,"date":"2026-07-19T08:29:39","date_gmt":"2026-07-19T08:29:39","guid":{"rendered":"https:\/\/1844mchahal.com\/ai-surveillance-video-analysis-michigan-injury-claim-2026\/"},"modified":"2026-07-19T08:29:39","modified_gmt":"2026-07-19T08:29:39","slug":"ai-surveillance-video-analysis-michigan-injury-claim-2026","status":"publish","type":"post","link":"https:\/\/1844mchahal.com\/pa\/ai-surveillance-video-analysis-michigan-injury-claim-2026\/","title":{"rendered":"Is the Insurer Using AI to Analyze Video of You?"},"content":{"rendered":"<style>\n.kb-wrap{font-family:'Inter',system-ui,sans-serif;color:#000!important;-webkit-text-fill-color:#000!important;line-height:1.75;max-width:920px;margin:32px auto;padding:48px 32px;background:#fff!important;border-radius:18px;box-shadow:0 12px 40px rgba(0,0,0,0.10);}\n.kb-wrap 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.kb-cite,.kb-cite{font-size:14px!important;color:#000!important;-webkit-text-fill-color:#000!important;background:#f1f5f9!important;padding:14px 18px;border-left:4px solid #fbbf24;margin:18px 0;border-radius:0 10px 10px 0;}\n.kb-wrap .kb-related,.kb-related{background:#f8fafc!important;border:1px solid #e2e8f0;border-radius:12px;padding:18px 22px;margin:24px 0;}\n.kb-wrap .kb-related h4,.kb-related h4{margin:0 0 10px;color:#000!important;-webkit-text-fill-color:#000!important;font-size:16px!important;}\n.kb-wrap .kb-related a,.kb-related a{color:#1d4ed8!important;-webkit-text-fill-color:#1d4ed8!important;text-decoration:none;font-weight:600;}\n\/* readability-override-2026-06-04 v2 \u2014 wins cascade against body.single-post theme rules *\/\nhtml body.single-post div.kb-wrap,html body.single-post div.kb-wrap p,html body.single-post div.kb-wrap li,html body.single-post div.kb-wrap td,html body.single-post div.kb-wrap th,html body.single-post div.kb-wrap .kb-h1,html body.single-post div.kb-wrap .kb-h2,html body.single-post div.kb-wrap .kb-h3,html body.single-post div.kb-wrap .kb-meta,html body.single-post div.kb-wrap .kb-lead,html body.single-post div.kb-wrap .kb-cite,html body.single-post div.kb-wrap .kb-related,html body.single-post div.kb-wrap .kb-related h4,html body.single-post div.kb-wrap .kb-faq,html body.single-post div.kb-wrap .kb-faq h3,html body.single-post div.kb-wrap .kb-faq p{color:#000!important;-webkit-text-fill-color:#000!important;}\nhtml body.single-post div.kb-wrap{background:#fff!important;}\nhtml body.single-post div.kb-wrap .kb-cta{background:linear-gradient(135deg,#0b1220 0%,#1e293b 100%)!important;color:#fff!important;-webkit-text-fill-color:#fff!important;border:none!important;}\nhtml body.single-post div.kb-wrap .kb-cta h3{color:#fff!important;-webkit-text-fill-color:#fff!important;}\nhtml body.single-post div.kb-wrap .kb-cta p{color:#cbd5e1!important;-webkit-text-fill-color:#cbd5e1!important;}\nhtml body.single-post div.kb-wrap .kb-cta a.btn,html body.single-post div.kb-wrap .kb-cta a{color:#000!important;-webkit-text-fill-color:#000!important;background:#fbbf24!important;border:1px solid #fbbf24!important;display:inline-block!important;}\nhtml body.single-post div.kb-wrap .kb-related a{color:#1d4ed8!important;-webkit-text-fill-color:#1d4ed8!important;}\n<\/style>\n<div class=\"kb-wrap\">\n<span class=\"kb-eyebrow\">Knowledge Base &middot; Insurer AI Tactics<\/span><\/p>\n<h1 class=\"kb-h1\">Is the Insurer Using AI to Analyze Video of You?<\/h1>\n<p class=\"kb-meta\">By Attorney Manny Chahal &middot; Updated July 2026 &middot; Reading time: ~7 min<\/p>\n<p class=\"kb-lead\">Insurance companies have hired investigators to film injured people for decades. What is new is what they do with the footage. Some now run that video through artificial intelligence, software that studies how you move, to argue that your body does not match the limits you have described. If you have an open injury claim in Michigan, it is worth understanding what this technology can and cannot prove, because a few seconds of video does not decide your case, and Michigan law says so.<\/p>\n<h2 class=\"kb-h2\">What insurers are actually doing now<\/h2>\n<p>The old version of this was simple. An investigator sat outside your home and filmed you carrying a bag or bending down, hoping to catch a moment that looked inconsistent with an injury. The new version adds a layer on top. Artificial intelligence, which here means software trained to recognize and measure human movement, is used to study the footage frame by frame. It may estimate the angle of your joints, measure how far you reached, or compare how you walk against a supposedly normal pattern, then package that as evidence that you are not as hurt as you say.<\/p>\n<p>This can sound intimidating, and insurers want it to. But dressing an old tactic in new software does not change the law that governs your claim, and it does not change the fact that a short clip captures a moment, not a life.<\/p>\n<h2 class=\"kb-h2\">Why a few seconds of video is not your whole case<\/h2>\n<p>Michigan measures a serious injury by the whole picture, not a single good moment. To recover for pain and suffering after a car crash, an injured person generally has to meet the serious impairment threshold in <a href=\"https:\/\/www.legislature.mi.gov\/Laws\/MCL?objectName=mcl-500-3135\">\u0a10\u0a2e\u0a38\u0a40\u0a10\u0a32 500.3135<\/a>. The Michigan Supreme Court explained how to apply that threshold in <em>\u0a2e\u0a48\u0a15\u0a15\u0a4b\u0a30\u0a2e\u0a3f\u0a15 \u0a2c\u0a28\u0a3e\u0a2e \u0a15\u0a48\u0a30\u0a40\u0a05\u0a30<\/em>, 487 Mich 180 (2010), and the key point protects injured people. The court said impairment is judged by looking at a person&#8217;s entire normal life, comparing before and after, and that the law does not require the impairment to affect every moment of every day.<\/p>\n<p>That is exactly why a clip of you lifting a grocery bag or walking to your car does not end your claim. Having a good hour, or pushing through pain to do something ordinary, is part of real life with an injury. The question the law asks is broader, and a snippet of video answers a much smaller one.<\/p>\n<div class=\"kb-cite\"><strong>The rule that matters:<\/strong> \u0a39\u0a47\u0a20\u0a3e\u0a02 <em>\u0a2e\u0a48\u0a15\u0a15\u0a4b\u0a30\u0a2e\u0a3f\u0a15<\/em>, your impairment is measured across your whole life before and after the crash, not by whether a camera caught you moving on one afternoon. A moment of motion is not proof that you are uninjured.<\/div>\n<h2 class=\"kb-h2\">The reliability problem with AI video analysis<\/h2>\n<p>When an insurer wants to use AI analysis of video as real evidence, it runs into rules built to keep unreliable evidence out. First, the video itself has to be authenticated under <a href=\"https:\/\/courts.michigan.gov\/siteassets\/rules-instructions-administrative-orders\/michigan-rules-of-evidence\/michigan-rules-of-evidence.pdf\">Michigan Rule of Evidence 901<\/a>, meaning someone has to show it is a fair and accurate record of what it claims to show, without gaps or edits that mislead.<\/p>\n<p>Second, if the insurer offers a software analysis of your movement as an expert conclusion, that opinion has to satisfy the reliability standard for expert testimony under <a href=\"https:\/\/courts.michigan.gov\/siteassets\/rules-instructions-administrative-orders\/michigan-rules-of-evidence\/michigan-rules-of-evidence.pdf\">Michigan Rule of Evidence 702<\/a>. That means the method has to be shown reliable, the person presenting it has to explain how it works, and it has to be open to cross-examination. An algorithm that estimates joint angles from a shaky phone video, with no ability to test how it reached its numbers, is vulnerable on exactly these grounds. The insurer cannot simply announce a conclusion and expect it to stand.<\/p>\n<h2 class=\"kb-h2\">When the software changes what the footage shows<\/h2>\n<p>There is a further danger worth naming. Some tools do not just measure movement, they sharpen, smooth, or reconstruct parts of a video, which can quietly change what a viewer thinks they see. If footage has been processed or enhanced by software, that raises the question of whether the version being shown is still a fair record of the event or a partly manufactured one. Original files, with their metadata intact, matter for that reason. The side offering the video has to be able to account for what was done to it, and an injured person is entitled to see the raw footage, not only the polished clip an adjuster wants to present.<\/p>\n<h2 class=\"kb-h2\">What you can do to protect your claim<\/h2>\n<ul>\n<li><strong>Stay within your restrictions.<\/strong> Follow your doctor&#8217;s limits because they are good for your recovery, and because consistency between your treatment and your daily life is your strongest answer to any video.<\/li>\n<li><strong>Do not exaggerate, and do not minimize.<\/strong> Describe your bad days and your better days accurately. A truthful, complete picture is far harder to attack than a claim that sounds absolute.<\/li>\n<li><strong>Keep your medical record consistent.<\/strong> Tell your providers what you can and cannot do so the objective record reflects your real limits over time.<\/li>\n<li><strong>Assume you may be watched.<\/strong> Surveillance is legal in public. The best protection is simply that your conduct matches your claim.<\/li>\n<\/ul>\n<div class=\"kb-cite\"><strong>Deadlines still control.<\/strong> A Michigan injury lawsuit generally must be filed within three years under <a href=\"https:\/\/www.legislature.mi.gov\/Laws\/MCL?objectName=mcl-600-5805\">\u0a10\u0a2e\u0a38\u0a40\u0a10\u0a32 600.5805(2)<\/a>, and no-fault benefits carry their own one-year rules under <a href=\"https:\/\/www.legislature.mi.gov\/Laws\/MCL?objectName=mcl-500-3145\">\u0a10\u0a2e\u0a38\u0a40\u0a10\u0a32 500.3145<\/a>. No dispute about video changes those clocks.<\/div>\n<div class=\"kb-related\">\n<h4>\u0a38\u0a2c\u0a70\u0a27\u0a24 \u0a17\u0a3f\u0a06\u0a28-\u0a05\u0a27\u0a3e\u0a30\u0a3f\u0a24 \u0a32\u0a47\u0a16<\/h4>\n<p><a href=\"\/pa\/ai-social-media-surveillance-michigan-injury-claim-2026\/\">Is the Insurer&#8217;s AI Watching Your Social Media?<\/a> \u00b7 <a href=\"\/pa\/ai-deepfake-altered-evidence-michigan-injury-claim-2026\/\">Can Fake AI Photos Sink Your Injury Claim?<\/a> \u00b7 <a href=\"\/michigan-serious-impairment-threshold-mccormick-2026\/\">Michigan&#8217;s Serious Impairment Threshold Explained<\/a><\/p>\n<\/div>\n<h2 class=\"kb-h2\">\u0a05\u0a15\u0a38\u0a30 \u0a2a\u0a41\u0a71\u0a1b\u0a47 \u0a1c\u0a3e\u0a02\u0a26\u0a47 \u0a38\u0a35\u0a3e\u0a32<\/h2>\n<div class=\"kb-faq\">\n<h3 class=\"kb-h3\">Can the insurance company legally film me?<\/h3>\n<p>Generally yes, in public places where you have no reasonable expectation of privacy. Surveillance itself is usually lawful. The real fight is not whether they can film you, but whether a short clip, or a software analysis of it, actually proves anything about your injury under Michigan law.<\/p>\n<h3 class=\"kb-h3\">A video shows me carrying groceries. Is my claim over?<\/h3>\n<p>\u0a28\u0a39\u0a40\u0a02\u0964 \u0a39\u0a47\u0a20\u0a3e\u0a02 <em>\u0a2e\u0a48\u0a15\u0a15\u0a4b\u0a30\u0a2e\u0a3f\u0a15 \u0a2c\u0a28\u0a3e\u0a2e \u0a15\u0a48\u0a30\u0a40\u0a05\u0a30<\/em>, your impairment is measured across your whole life, not by one moment of movement. Doing an ordinary task, sometimes through pain, does not mean you are uninjured, and Michigan law does not require your impairment to affect every minute of every day.<\/p>\n<h3 class=\"kb-h3\">Can they use an AI analysis of my movements against me?<\/h3>\n<p>Only if it holds up. To be admitted, video must be authenticated under Michigan Rule of Evidence 901, and a software analysis offered as an expert conclusion must meet the reliability standard of Rule 702. Those rules give an injured person real ground to challenge an untested algorithm.<\/p>\n<h3 class=\"kb-h3\">What if the video looks edited or enhanced?<\/h3>\n<p>That is a serious issue. If footage was processed by software, the side using it has to account for what was changed, and you are entitled to the original files. Enhanced or altered video can distort what a viewer believes they are seeing, and that goes to whether it should be allowed at all.<\/p>\n<h3 class=\"kb-h3\">How should I act while my claim is open?<\/h3>\n<p>Live within your medical restrictions and describe your limits accurately to your doctors. The most powerful response to surveillance is a life that actually matches what you have told your providers and the insurer.<\/p>\n<\/div>\n<div class=\"kb-cta\">\n<h3>Worried the insurer is twisting video of you?<\/h3>\n<p>Free consultation with Manny Chahal, no fee unless we recover, call 1-844-624-2425<\/p>\n<p><a class=\"btn\" href=\"tel:18446242425\">1-844-624-2425 '\u0a24\u0a47 \u0a15\u0a3e\u0a32 \u0a15\u0a30\u0a4b<\/a><\/div>\n<\/div>\n<aside class=\"kb-disclaimer\" style=\"margin:48px 0 24px;padding:24px 28px;background:#f8fafc;border-left:4px solid #fbbf24;border-radius:6px;font-family:'Cormorant Garamond','EB Garamond',Georgia,serif;font-size:15px;line-height:1.65;color:#334155;\">\n<p style=\"margin:0 0 8px;font-family:'Inter','Helvetica Neue',Arial,sans-serif;font-size:11px;font-weight:700;letter-spacing:.18em;text-transform:uppercase;color:#0b1220;\">\u0a15\u0a3e\u0a28\u0a42\u0a70\u0a28\u0a40 \u0a2c\u0a47\u0a26\u0a3e\u0a05\u0a35\u0a3e<\/p>\n<p style=\"margin:0;color:#334155;\">This article is general information about Michigan law, not legal advice, and it does not create an attorney-client relationship. Insurance coverage, no-fault priority rules, and the law change over time, and the outcome of any claim depends on its own facts. Deadlines in Michigan injury cases are strict and some are shorter than the general rules described here. Do not rely on this article for your own situation. Consult a licensed Michigan attorney about your specific circumstances. Attorney advertising under Michigan RPC 7.1-7.3.<\/p>\n<\/aside>","protected":false},"excerpt":{"rendered":"<p>Knowledge Base &middot; Insurer AI Tactics Is the Insurer Using AI to Analyze Video of You? By Attorney Manny Chahal &middot; Updated July 2026 &middot; Reading time: ~7 min Insurance companies have hired investigators to film injured people for decades. What is new is what they do with the footage. Some now run that video [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":3373,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-3888","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-practices"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.1 (Yoast SEO v27.9) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Is the Insurer Using AI to Analyze Video of You? - 1844mchahal.com<\/title>\n<meta name=\"description\" content=\"Knowledge Base &middot; Insurer AI Tactics Is the Insurer Using AI to Analyze Video of You? 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