8 ms·
Just today I was going to go skiing but my foot hurt so I'm home. Let's pretend it was something bigger and I've been home and being paid on an insurance claim.
by us0r 9y ago
Just today I was going to go skiing but my foot hurt so I'm home. Let's pretend it was something bigger and I've been home and being paid on an insurance claim. My family makes a new facebook post of last years trip with all of us in the photo and no description or anything. Carpe does the happy dance and sends it to Allstate. Allstate says we are not paying your claim and canceling your policy for fraud.
Now I have to prove the claim, can't get insurance cause I'm on a blacklist and hell knows what else due to an inaccurate photo scraped by a company without official access.
You don't see a problem with that?
- raverbashing 9y agoOr you just say "yes, this trip was in the following dates and not during my claim, which you can see from (provided documentation or other posts you made)" (and you can also untag yourself from other people's photos)
- lowbloodsugar 9y agoDo you tho? Do you "just say"? Out loud? To the room? Does your couch hear you and fill out all the bullshit paperwork, wait hours on hold, go to court?
- sctb 9y agoCould you please post civilly and substantively, according to the guidelines? https://news.ycombinator.com/newsguidelines.html https://news.ycombinator.com/newsguidelines.html
- mfringel 9y agoYour usage of "just" implies an ease of action that is incongruous with the parties and the conflict.
- athenot 9y agoThe problem is you'll never know what were the actual criteria used to deny your claim, it will remain some vague denial reason. Or you will get to know but after much back-and-forth during which it incumbs to you to pony up with that cash flow. This opacity is just another form of information asymmetry, benefiting the large asset holders and negatively impacting the individuals.
- fludlight 9y agoThe way to find out will be to (threaten to) sue your insurance company, which is costly in terms of time and money.
- dewski 9y agoI would hate to have to go through the effort to try and sue my insurance company to get this information.
- pavel_lishin 9y ago> which is costly in terms of time and money. Yes; to you. The insurance company just has to figure out if it's cheaper to see you in court, or to pay for your medical claim.
- fludlight 9y agoAlso, many people won't sue even if they have a legitimate claim.
- bahram_banisadr 9y agoPretty much everything digital has metadata tagged on it including the time at which the event occurred. Its very easy to prove the timing of the photo in this hypothetical case. Insurance is a good that adds to the overall wellbeing of society IF it can be properly priced - meaning both fraud as well as incorrect denials of claims damage the insurance companies to properly price coverage and provide protection for everyone. Why would we dislike more complete information? Economic systems always work better with fully informed players.
- TehCorwiz 9y agoThe flip side of that is that many services mangle or strip meta-data. Exif data is also easily editable and not all cameras, phones, or software properly populate it. I can see a situation where someone edits a photo before uploading which causes the creation date to default to the date it was edited and not the date the photo was taken.
- FireBeyond 9y agoAdobe Lightroom, default options for exporting to JPG: - "Remove All Metadata" - "Remove Location Information" - "Remove Person Information" _All_ of these are removed by default and you explicitly have to enable them.
- abiox 9y ago> You don't see a problem with that? is it really any different than a private investigator (or even a company one) snooping around your residential area and talking to you and your family ... perhaps even seeing the photo in question on your parent's mantle?