Protection against Insurance Scam Fraud
We wanted to discuss something that hurts all of us here at our injury attorney portal site. Every person ends up having to pay one way or another when they become victimized by car insurance fraud. So they will be responsible for paying insurance premiums that are higher. This higher premium is because of the expensive false claims that get filed.
In many situations, the victim and members of their family involved in an accident wind up paying with their very lives. To ensure you are protected from becoming the target of fraud from an insurance accident scam, it is essential to becoming educated on fraud protection.
Insurance fraud started at the very same time that car insurance was created. As a matter of fact, recorded incidents are going back to ancient Greece. Many ships were sunk on purpose in an insurance scam that was referred to as ship scuttling. Then insurance fraud made its way to England, and then onto America.
How Long Has Insurance Fraud Existed?
An entirely new arena opened up for insurance fraud claims as soon as the automobile was introduced. With the high tech technology that is commonly used today, there are organized and highly sophisticated crime rings that file numerous fraudulent claims for car accidents, and they are not very easy to detect.
However, this does not have to leave you exposed as a target for an insurance scam. There are steps against fraud that can be taken to gain protection and awareness. And these steps help you avoid becoming a targeted victim of individuals and organized crime rings alike. The first step is to understand the different types of insurance scams that are commonly used.
There are quite a few different types. Accidents that are ‘set-up’ can range from a driver acting like they want to offer help. But instead, they only have the intentions of causing an accident that appears to be the fault of the innocent driver. They do this to vehicles by intentionally stopping directly in front of an innocent driver to cause a rear-end accident.
Should I Trust My Doctor or My Lawyer?
To make it even worse is the fact that people you would usually trust, like attorneys and physicians, are sometimes involved in these scams. The best way to make sure you do not become a victim of insurance scam fraud is to gain information about fraud protection and the car insurance accident scams you can avoid.
Below are some of the most common scams that you will want to stay aware of:
- Fake Helpers – These people are well known for waving unsuspecting drivers into traffic. Next, they intentionally crash right into the driver’s vehicle. When the claim is filed, they will deny that the other driver was waved in. Other people become scammed when help is offered to an unsuspecting driver to locate a physician, auto repair shop, or attorney. In situations like this everyone involved is aware and in on the scam. The physician and attorney will be deceptive to collect more money from your insurance provider. Afterward, the body shop will end up charging ridiculous rates.
- Adding Additional Damage – An accident may or may not be staged. Next, the scam driver will drive to a different location and deliberately cause a significant amount of damage to their automobile. But the original accident is where all the damage occurred.
- Rear-End Car Accidents that are Staged – This refers to those that hurry to position their vehicle in front of an unsuspecting driver and then slam the brakes. The result of this action is a rear-end collision right into the scam driver. They can then collect large amounts of money for vehicle damages. Next, they will gather even more money for staged medical injuries.
It is vital always to stay prepared, as scams like this can occur at any place and at any time. The key is awareness. Keep an eye out for scam drivers. After all, they may be inspecting the habits of your driving or following your vehicle. You should always make sure there is enough room in front of your vehicle to stop in a hurry.
Notes should also be taken if an accident occurs on the particulars of the crash. And information about the other car, as well as every person in the other vehicle must be maintained. The damage that occurs to both vehicles should be recorded on a disposable camera that you keep in your car. Never use another person’s judgment, always use your own.
Do not let another driver ‘wave you into traffic,’ it is much safer to let other vehicles pass until you know you have enough room to get in or out of traffic. Also, if an accident occurs and you sense something is not quite right, make sure you convey this to your insurance company. These are just some of the ways to protect yourself from insurance scams and fraud.