Insurance companies routinely send private investigators with video cameras out to follow personal injury victims. There are some rules they must follow, but if you are claiming an injury, you can bet the insurance company would rather pay a small amount to an investigator than a large amount to you.
Video surveillance is generally permitted in New York State. However, an investigator or insurance company employee has no right to violate the law. They cannot trespass and should not be looking into your windows. But with today’s long lens photography, insurance video surveillance can occur from several hundred feet away without you ever knowing it.
If you are ever afraid for your safety because you think you are being followed, you should contact the police. If you have a valid, honest claim, you should not have to worry about an insurance company’s video spies.