It is certainly possible that an insurance carrier will watch an individual. This could include them hiring a private investigator to follow a person from place to place. This investigator would be looking for any inconsistencies in the claimant’s story. For example, if a person has claimed an arm injury and a doctor has prescribed that they wear a sling for a specific amount of time, but the private investigator notices that they are grocery shopping and using both arms to carry groceries, this would not bode well for the claim.