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Social Media: Now You “Like” It, Now You Don’t
Social Media as a Claims Tool in Claims Handling & Litigation | Pitfalls and Advantages for Companies | Securing Access | Discovery | Ethical Considerations
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Emerging & Complex Insurance Claims ForumFebruary 25-26, 2016
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Speakers
Mollie E. WerwasKopon Airdo, LLC233 S. Wacker Dr., Suite 4450Chicago, Illinois 60606P: 312.506.4450www.koponairdo.com
Jeanne M. SheahanSenior Corporate Counsel, Privacy & RegulatoryGroupon, [email protected]
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Any “form[] of electronic communication . . . through which users create online communities to share information, ideas, personal messages, and other content” -- Merriam-Webster
Users can interact with the website to create and share information and ideas with other visitors
Social Media – What is It?
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Websites for social networking Wikis (websites that allow collaborative editing) Open content encyclopedia Blogging Microblogging Videos
Social Media – Examples
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Extensive social media beyond Facebook…
Social Media – Companies
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Delicious – social bookmarking serviceDigg – social news and curationReddit – online bulletin board systemLast.fm – music discovery & social networking siteFlickr – social image and video hostingFoursquare – social media site focusing on geolocationTumblr – microblogging and social platform
Social Media – Companies
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…and they are constantly evolving and growing in numbers!
Social Media – Companies
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• Umbrella term for the second wave of the world wide web
• Websites that focus on user-generated content, collaboration, and social networking
• Shift to cloud computing
Web 2.0 – What Is It?
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Social media websites Blogs Wikis Folksonomies (collaborative/social tagging) Video sharing Mashups (content combined from multiple sources)
Web 2.0 – Examples
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Just the beginning of the explosion of data and big data…
Social Media & Web 2.0
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Network sensors embedded in physical objects, which enable the objects to collect and exchange data
Devices, vehicles, buildings that are embedded with electronics
Internet of Things – What is It?
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Cisco predicts that by 2020 there will be around 50 billion internet-connected objects
The Digital Universe (“DU”) – all digital data that is created, replicated, and consumed in a single year – by 2013 was already estimated to be 4.4 ZB
A zetabyte is 1 trillion gigabytes One stack of iPads reaching two-thirds the way to the moon
Internet of Things – What is It?
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Smart Homes – cell phones, coffee makers, washing machines, security systems
Smart Transportation – bikes, cars, public transport, airplane jets
Smart Cities – traffic congestion, water leakages, smart parking
Internet of Things - Examples
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Data Points / Information – What Can Be Learned
Name Race Gender Age
Income Bracket Likeness Birthday Address
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Data Points / Information – What Can Be Learned Geographic
Coordinates Destinations Speed of Travel Frequency of Visits
Political Affiliation Hobbies Organizational
Membership
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Data Points / Information – What Can Be Learned Health Status
Diet Relationship Status Sexual orientation Personal Network
Professional Network
Employer Job History Education History
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Data Points / Information – What Can Be Learned
…and these categories are constantly evolving & expanding
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Popularity of Social Media Platforms Influenced by Age
Millennial teens are spending on average 11.7 hours a day using connected devices
Bellwether of future landscape in social media sphere
Social Media / Demographics
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Social Media / Demographics
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Vine Social media app that lets
users post looping six-second video clips
Founded in June 2012 Twitter-owned company As of December 2015, Vine
has 200 million active users
Social Media / Demographics - Examples
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Kik Instant messenger Allows users to find and share content Known for ability to preserve user
anonymity Founded in 2009 Has approximately 240 million users as
of December 2015 Used by approximately 40% of US
teenagers
Social Media / Demographics - Examples
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Yik Yak Allows people to pseudo-anonymously
create discussion threats within a 5-mile radius (which are termed “Yaks” by the application)
Launched in 2013 All users have the ability to contribute to
the stream by writing, responding, and “voting up” or “voting down” (liking or disliking) Yaks
Millions of users (exact number has not been disclosed)
Social Media / Demographics - Examples
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European Law: Important Distinctions In general, regulations in the EU are much more strict & robust in the area of
privacy and security Privacy in the EU is protected as a “fundamental right” under the EU’s Charter
of Fundamental Rights EU has comprehensive data protection regulations, unlike the US, which is
governed by a patchwork of federal and state regulations that apply a sectoral approach (e.g., finance, health care)
In the EU, personal data only can be collected under strict conditions and for a legitimate purpose
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European Law: Important Distinctions EU privacy landscape if rapidly changing
Safe Harbor Privacy Shield Data Protection Directive (95/46/EC) General Data Protection
Regulation (GDPR)• Expected to come into force in 2018
Right to Erasure (“Right to be Forgotten”) Data subjects will have the right to request the deletion of his/her data
from data controller in specified circumstances
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Social Media: The New Surveillance
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Key Take-Aways for Claim Professionals
Social Media Investigations are Essential to Effective Claim Handling
Public Leads to PrivateClaimants are Strangers No MoreData is the new Eye Witness
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Social Media in Litigation
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• No Fishing Expeditions
• Targeted Requests Based on Known Information
• Examine Public Info First
Guidance from Recent Court Decision
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Personal Injury DecisionZimmerman v. Weis Markets, Inc., 2011 WL 2065410 (Pa. Com. Pl. May 19, 2011).
Plaintiff injured his leg in a forklift accident
Sought damages for scarring and embarrassment, a serious impairment of health, and a diminished ability to enjoy life
Pictures on Facebook revealed plaintiff riding a motorcycle and wearing shorts where scar is clearly visibleCourt allowed the discovery of the materials
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Personal Injury DecisionTompkins v. Detroit Metro Airport., 278 F.R.D. 387 (E.D. Mich. 2012).
Slip and fall caseDefendant moved to compel entire Facebook accountMotion Denied because public Facebook information not inconsistent with claimed injury
No Fishing ExpeditionsNeed an initial showing of relevant information
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Personal Injury DecisionThompson v. Autoliv ASP, Inc., 2012 WL 23442928 (D. Nev.)
Motor Vehicle Case
Defendant moved to compel Plaintiff’s social media accounts
Prior to filing Motion, Defendant obtained public information that Plaintiff’s profile showed post-accident lifestyleMotion Granted
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Employment ClaimEx-Mai-Trang Thi Nguyen v. Starbucks Coffee Corp., 2009 U.S. Dist. LEXIS 113461 (N.D. Cal. 2009)
Employee fired for inappropriate behavior and threats to other employees. Sued for sexual harassment, retaliation, religious discrimination.
“Starbucks is in deep shit with GOD!!! …I will now have 2 to turn 2 my revenge side (GOD’S REVENGE SIDE) 2 teach da world a lesson about stepping on GOD. I thank GOD 4 pot 2 calm down my frustrations and worries or else I will go beserk and shoot everyone….”
Summary judgment for the defendant.
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By a Plaintiff: The FitBit Recent Canadian Case
Plaintiff – Personal Trainer
Presented Pre-Accident & Post-Accident FitBit
Data to support reduced activity after injury
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Social Media You Can Use!
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Capture the Information
Don’t Lose the Results of Your Investigation!
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• Check all applicable social media for public pages
• Start with web engine searches• Look for information around date
of loss• Examine other linked or connected
accounts and personal connections
Effective Social Media Investigations
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Preserve the Evidence
• Print/Save the Findings• Do not assume it will be there later• Save on paper and electronically• Check early and often!
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Formal Discovery Requests
• Specific Requests• Targeted Based on Public Information• Initial Requests / Follow-Up Inquiries• Deposition Questions
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Other Data Sources
• Web 2.0• Fitness Trackers• Health Apps, Diaries, Logs• Linked to Social Media• Texts, Photos, Apps, Etc.
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Ethical Considerations
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BEWARE OF “FRIENDING” Cannot “friend” someone under a false
pretext
Do NOT try to obtain private social media information by pretending to be a disinterested party
Use public information to establish a basis for requesting private information
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Questions?