Insurance company’s country wide spends millions of dollars yearly to defend against misleading car accident claims by mischievous individuals looking to reap the benefits of the insurance claims. How do auto insurance scams affect you? Well not to mention the obvious possible outcome of death due to car accident scams gone wrong. Who do you think actually pays for the cost of the scams? Not the insurance companies, you pay because the insurance companies raise premiums to compensate for the loss. It is an unfortunate outcome for the honest citizen. What can you do to help yourself and the insurance companies?

Below is a list of scam techniques practiced today by many criminals.

Paper Accident
When a criminal actively solicit others in the auto repair and salvage industry to participate in accidents that only exist on paper. Shady lawyers, doctors and insurance agents are normally part of this as well. The perpetrator will keep the claim lower than 1,000 dollars knowing that most insurance companies do not send investigators to examine a claim at that amount.

Hit & Run
When a perpetrator reports a factious hit and run to their insurance provider.

Swoop and Squat
When a perpetrator abruptly swoops in front of a car and quickly squats or stops. An accomplice moves to the side of the targeted victim to prevent the trapped car from swerving out of the way. The passengers of the squad all report injuries that are supported later by a doctor or a chiropractor that are in the scam.

A tactic used in multiple turn lanes at an intersection. A perpetrator will continue to take the multiple left turns until another car suddenly maneuvers into the lane in which the perpetrator suddenly speeds up to force a collision.

This is normally conducted with the absence of any hostile witnesses. The perpetrator waits at an intersection and intentionally rams into a car as it passes. When the police arrive, bogus witnesses are planted to tell the police officer that the victim ran a stop sign or red light.

A tactic normally conducted in heavy traffic, and when there is a merge. The perpetrator waves to the victim, pretending to yield the right of way. As the victim begins to merge, the perpetrator quickly accelerates to initiate contact. When the police arrive, the perpetrator denies ever giving up the right of way.

Shady Helper
This could happen after an honest accident. A stranger approaches you after an accident and offers numbers to an auto repair shop, lawyer or doctor. This could be a setup. The auto repair shop often pads your repair cost, and a doctor may give you shady treatment or none at all. A lawyer may even try to convince you to sue the insurance company.

Below is a good list of details that you should obtain in an accident.

  1. Exchange information with the driver.
  2. Drivers License, vehicle registration and proof of insurance.
  3. Count the number of people in the car and get there:
    Telephone Number
  4. Make note if they were wearing seatbelts
  5. Did they act injured only after the police arrived?
  6. Get the names, address and phone numbers of anyone that witnessed the accident.
  7. Call the police if it seems staged!

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