How To Avoid A Automobile Insurance Scam
Getting into a vehicle accident is never good, but finding out that you have fallen to a vehicle insurance scam can make matters much worse. You’ll find that your insurance rates will go up and your policy may even be canceled. You’ll also get points on your license. This will make any new vehicle insurance quotes that you get extremely high, simply because you were scammed. This is something that happens all of the time, so you need to know how people scam insurance companies in order to avoid it.
One of the most common scams is where the scammer stages a rear end accident. This usually occurs when someone is seen dodging in and out of traffic. They leave people very little room to avoid them. When they find the person that they want to scam, they’ll get in front of them and slam on their brakes. This causes the person behind them to run into them as there is no where else that they can go. Your insurance will take a hit because most rear end cases are found to be the second car’s fault.
Often the staged rear-ender will be paired with the fake medical claim scam. The driver either successfully cons an innocent doctor into believing they have suffered injuries, or pays off a medical accomplice to fake examinations and test results. In either case, your insurance pays for their treatment as well as their ”pain and suffering.” This type of scam is especially problematic in litigious states. California automobile insurance is particularly hard-hit, for example.
Another popular scam originates in a real accident. The way the scam works is the person who has damage to their vehicle creates more damage before a repair estimate can be made. There’s no way for anyone to prove that this extra damage didn’t come from the accident itself.
Another common automobile insurance scam is seen when a seemingly friend person waves you into your lane change or turn. This may come across as a nice thing to do, but they are actually telling you to get into a bad situation. Chances are, the path is not clear, and you will get into an accident. When police arrive, the person claims that they never told you it was clear.
There is another version of the helpful scam that’ll occur after the accident as well. Various people get paid off to refer victims to physicians, lawyers, or repair shops that’ll often raise prices to get lots from your insurance company.
So, how can you protect your self against vehicle insurance scams? The most important of all is to be a defensive driver, and avoid falling into the hands of con artists. Always stay alert to what’s going on around you. Don’t trust the person who waves you into traffic. Also, do everything you can to keep a cushion of space between you and the car ahead.
When you do get into an accident, you need to keep a record of everything. You should listen to everyone’s version of the story and keep a copy of the police report. Try keeping a disposable camera in your automobile to take photos of damage. If you are suspicious that this might be a scam, let your insurance company know. They’re the ideal people to inform, as they’re experts on this topic.
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