Staged accidents: how to avoid car insurance scam
Staged accidents are a growing crime in the country, the observation car insurance companies and results in to higher car insurance rates for honest policyholders.
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These crooks try to benefit your misfortune, and everything happens in a Flash. In some cases level con man accidents with only their own vehicles and a few employees. In others they innocent drivers.
Among the tactics that noticed by the national insurance Crime Bureau:
The blow and squat. A car drives before, and another pulls up next to you the highway lanes can change not. The driver above fails on the brake, causing a rear-end collision. Jump-VG After the accident several people from nowhere visible and directly into the other cars, entitled to passengers have been all the time. Runner and sealing machines. These scammers at the crash site show up and try to go to lure certain lawyers or medical clinics. Links-unit with the following below. A driver requests you on his car turn left. But once you start, he moves forward, to block your way, and another car accelerates and proposes in you. Right turn drive. If you right out make a stop sign, a car that was parked at the roadside increases and meets your back corner. The driver then claiming you preferred or stop sign.
When the police arrived, other driver and passenger complaints about pain and you for the accident responsible to make. Later file them thousands of dollars in claims for injuries against your auto insurance.
“Most of the damage done by groups of people, the life, this way”, says Frank Scafidi, spokesman for the national insurance Crime Bureau. “They’re Knuckleheads, really.”
Last year, referred to non-life insurers 28.553 suspicious medical claims to the national insurance Crime Bureau, an increase of 10 per cent by 2008. 70% this claims were personal auto insurance.
The Office projects, if the current pace questionable claims in the first half of 2010 on, that total increase 13 percent this year compared to 2009.
Scammers are more sophisticated and organized, says Bob Cline national special investigative unit manager for Esurance, an online-direct-to-consumer insurance company based in San Francisco.
The crooks working with shady clinics and lawyers, to recruit using fictitious names and vehicles which can be traced back to earlier accidents not, and witnesses and passengers with no criminal stories. In many cases are these recruits new immigrants unfamiliar with the legal system.
Another trend that sees the Cline, is drawn to the growing proportion of street gangs a lucrative payout. Until recently, most of the bands were, the auto insurance was moved to experts in other criminal activities.
Florida, California, New York, Texas and Illinois are the top five States for questionable medical claims in accordance with the Bureau. The five cities are New York. Tampa, Florida; Miami; Los Angeles and Houston.
“Central Florida is the staged accident capital of the country,” says Cline.
A study of the national insurance Crime Bureau shows the number of insurance claims for 2010 the suspicion that intentionally caused or staged accidents jumped 58 percent in Florida from 2008 to 2009 Tampa is now in the epicenter of the trend, according to the Bureau.
Car insurance scam victims find that being alone and with the probably well insured, beautiful cars Scafidi says.
“they go not to someone drive pick up a racket,”, he says.
Senior citizens and women are more at risk than men and young people. Cline says that scammers prey also distracted drivers. Some scammers, who pled guilty have said investigators saw it for drivers talking on mobile phones.
If you are in an accident, trust you your good, if nothing seems fishy. Suspicion immediately to the auto insurance.
“Collect as much information as possible, phone numbers, addresses, total, documentation and other information that you think is useful in reporting potential instances of fraud, including names and dates,” says Loznicka.
Here are more tips of the Bureau to avoid or car insurance to combat medical fraud:
Do not tailgate. Leave enough space to avoid the car before you rear-ending, if it suddenly stops. Call police. Get a copy of the police report with the officer name, even if it advises minimal damage, the national insurance Crime Bureau. This makes it more difficult for crooks deliberately more damage later and file cause larger claims with the insurance company. Write down the information. Take pictures at the crash site and write as much information as possible. Remain on alert. Be careful tow trucks that arrive without having someone they called you for services, doctors, the pressure for personal file, if you are not injured, and people who appear on the stage and send at specific clinics and lawyers.
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