Although insurance companies can legally spy on you, there are limits to what private investigators can do. They can follow accident victims anywhere in public but are prohibited from:
Taking pictures or video through the windows of your home
Wiretapping your cellphone or home phone
Installing a tracking device on your vehicle
Trespassing on private property
Impersonating a police officer or insurance agent
Gaining unauthorized access to your email, computer or other data
A private investigator is also not allowed to intimidate, harass or otherwise make verbal or physical threats. If you feel you are in any danger, be sure to contact the local police. With the help of the police, you may be able to report the individual and put an end to any illegal surveillance on you.
A lawyer could also help you take legal action if the private investigator violated the law. He or she can protect your best interests and reach out to the insurance company or local police on your behalf.