Avoid Auto Insurance Fraud
It is easy to fall prey to auto insurance fraud. However, if you can be a little cautious, you can avoid being a victim of auto insurance fraud. With a few steps you can protect yourself from fraud and hence can avoid being a victim of a car accident scam.
Identifying auto insurance fraud
It is very important that you know the kind of frauds that exist. There are many car accidents that are deliberately done to extract the money from your auto insurance company. Doctors or even lawyers can be involved in a fraud. Hence it is important that you educate yourself about the kinds of auto insurance frauds that can get you into trouble.
- Staged rear-end car accident: In such a case a fraud driver may quickly come in front of your car and slam the brakes forcing you to rear-end him. In this way, you will end up paying him for the damages and often the fraud driver might also fake injuries to collect more compensation.
- Additional damage: It might so happen that after an accident with your car, the fraud driver may go to another location where he might cause extreme damage to his vehicle. Having done that, he may put a claim on your insurance stating that all of the damages were caused because of an accident with you car.
- Terror Stop: In this scenario the person who deceives, drives a car filled with many passengers. Now what the person does is to engage the passengers or helpers in his car to locate a victim who seems distracted on the road. When they locate such a victim they purposefully slam the brakes in front of them giving them an indication that they had to do this in emergency because the victim came in front of their car. They then charge the victim for the damages incurred. Such a fraud may usually not be avoidable. But you can be observant while on the road so that you can avoid being victim to such a fraud.
- The Side Swipe: This is a famous fraud in busy intersections. It also occurs with those who have dual left hand turning lanes. The criminal will position his vehicle in the outer left turning lane and as soon as a victim shifts in to the outer lane, their car will immediately be side swiped by the criminal. So whenever you are at the turn slow down and make sure that there is no vehicle there taking a turn.
Measures to avoid auto insurance frauds
To take measures against such frauds, here are a few steps you should take:
- Always file a police complaint even if it is a minor accident. It will be difficult for a cheater to deal with a false claim if the police get involved.
- Always have a disposable camera with you. Immediately after an accident, take as many pictures as possible and from different angles too. You can maybe prove a lie if you have enough pictures.
Auto insurance frauds are rampant and need to be tackled with intelligence. You need to be aware of your surroundings and especially while you are on the road. Auto insurance scam criminals are always on the look out for unmindful people on the road.
Useful Resource :
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