Three weeks after a driver pinned you against a parked car on the Grand Concourse in the Bronx, a surgeon amputated your left leg below the knee. You're in a rehab facility learning to stand on a prosthetic socket that doesn't fit right yet, and your cousin just tagged you in a photo from your niece's birthday party. You're smiling in it, because you love your niece. What you don't know is that someone hired by the insurance company may already be saving that photo. Insurers