Protect Yourself Against Auto Insurance Fraud
First, it is important to know what types of auto insurance scams are out there. Auto insurance scams include set-up car accidents where con artists purposely stop in front of a driver to cause a rear end accident to drivers who cause a car accident on the basis of pretending to be helpful while shifting responsibility to the innocent driver. In addition, doctors and lawyers have been involved in auto insurance scams in the past.
Here are the three most popular forms of auto insurance fraud:
Self Damage: after a vehicle is damaged in an accident (real or fake), the driver proceeds to ram his car into a tree or manually cause damage, with the claim these damages happened during the original accident.
Staged Rear End Accidents: Here, a scam driver strategically slam the brakes while the innocent driver behind them plows into him/her. This is a rear-end accident, which allows the scam driver to collect money for damages. If the scammer is savvy enough, he will pretend to incur major/minor injuries (shrewd ones may even inflict self injury) to collect even more auto insurance money.
Fake Samaritans: This scam involves waving an innocent driver into traffic followed by slamming into their car. Come auto insurance claim time, the scam driver will deny waving at anyone. In addition, fake Samaritans try to lure people by referring them to doctors, lawyers, and auto repair shops - all of whom are part of the scam. The doctor and lawyer produce lie to milk the insurance company, and the auto repair shop charges outrageous fees.
Auto insurance scams can happen anytime. Always be aware of your surroundings and be on the lookout for drivers on the pursuit. Never tailgate the car in front of you. In case of an accident, have your Accident Scene Information Checklist handy and snap pictures with your camera (CLICK HERE to learn how to take accident scene photographs.) Finally, exercise safe judgment while driving, as a keen eye for the road is one of the best ways to avoid filing auto insurance claims.
Related Tags: auto insurance, car insurance, auto insurance fraud
Ray Prince is the author and founder of Insurapedia.com, a site that provides regularly updated, comprehensive coverage on all types of insurance. Browse its pages and have free access to a collection of information designed to inform the Insurance novices. Its entertaining articles cover everything from "How to Take Accident Scene Photos for Insurance Claims" to "Insuring that Husband with a Sketchy Driving Record" A News Feed is also handy for the latest insurance updates.
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