How to Report And Identify Auto Insurance Fraud?

<p><em><strong>Have you been deceived in auto insurance&quest; You want to know what are the main forms of fraud or scams and how to report or notify an auto insurance&quest; You can find clear answers in this article&comma; in which I tried to explain to you everything you need to know about car insurance fraud and how to beware not to be fooled&period;<&sol;strong><&sol;em><&sol;p>&NewLine;<h2>What You Need to Know About Auto Insurance Fraud<&sol;h2>&NewLine;<div class&equals;"mh-content-ad"><script async src&equals;"https&colon;&sol;&sol;pagead2&period;googlesyndication&period;com&sol;pagead&sol;js&sol;adsbygoogle&period;js&quest;client&equals;ca-pub-9162800720558968"&NewLine; crossorigin&equals;"anonymous"><&sol;script>&NewLine;<ins class&equals;"adsbygoogle"&NewLine; style&equals;"display&colon;block&semi; text-align&colon;center&semi;"&NewLine; data-ad-layout&equals;"in-article"&NewLine; data-ad-format&equals;"fluid"&NewLine; data-ad-client&equals;"ca-pub-9162800720558968"&NewLine; data-ad-slot&equals;"1081854981"><&sol;ins>&NewLine;<script>&NewLine; &lpar;adsbygoogle &equals; window&period;adsbygoogle &vert;&vert; &lbrack;&rsqb;&rpar;&period;push&lpar;&lbrace;&rcub;&rpar;&semi;&NewLine;<&sol;script><&sol;div>&NewLine;<p>If someone were to ask you how much you knew about auto insurance fraud you&&num;8217&semi;d probably feel fairly comfortable telling them you know everything you need to know to get by&period; Everyone knows you shouldn&&num;8217&semi;t smash your car with a baseball bat and pass it off as an accident when your headlights break&comma; and if you try to hide a car in your garage and report it stolen the claims adjuster is probably going to figure it out sooner or later&period; But did you know that you could actually be the victim of auto insurance fraud and not know it until it&&num;8217&semi;s too late&quest;<&sol;p>&NewLine;<p>Insurance fraud is a crime&period; And far from being a victimless crime&comma; insurance fraud victimizes every one&comma; costing consumers millions of dollars in the form of increased premiums and higher prices for goods and services&period; The exact cost of insurance fraud is difficult to estimate because much of it goes unreported&period;<&sol;p>&NewLine;<p>Do I have your attention now&quest; Good&period; Many people are surprised to find out how much they don&&num;8217&semi;t know about auto insurance fraud&period; There are people out there who prey on innocent drivers&comma; using their belief that they&&num;8217&semi;re safe when they&&num;8217&semi;re out on the roads as long as they&&num;8217&semi;re following the rules to cash in on some major bucks from their insurance&period; You might be responsible for an accident that you actually had nothing to do with&comma; just because you were in the wrong place at the wrong time&excl;<&sol;p>&NewLine;<p>Wouldn&&num;8217&semi;t you like to at least do the crime before you get blamed for it&quest;<&sol;p>&NewLine;<p><b>Common Insurance Scams<&sol;b><&sol;p>&NewLine;<p>Here&&num;8217&semi;s a quick glance at the most common frauds that have been wringing thousands out of insurers in auto insurance claims&colon;<&sol;p>&NewLine;<p>1&rpar; <em>The Good Samaritan<&sol;em>&period; How many times have you found yourself anxiously tapping your fingers against your steering wheel while you wait for your chance to make a turn&comma; change lanes or pull out of a stop&quest; Almost inevitably someone will eventually take pity on you and wave you into traffic&period; Nine times out of ten you&&num;8217&semi;re going to be just fine&period; You&&num;8217&semi;ll pull into traffic&comma; the other car will wait just like they told you they would and life goes on&period;<&sol;p>&NewLine;<p>There&&num;8217&semi;s always that one in ten chance that it won&&num;8217&semi;t&comma; however&comma; which is when auto insurance fraud decides to raise its ugly head&period; You&&num;8217&semi;ll go to pull out into traffic when suddenly that same driver who so kindly waved to you suddenly slams on the gas and crashed into you&period; In front of a judge&comma; they&&num;8217&semi;ll deny ever agreeing to anything&comma; and you&&num;8217&semi;ll be holding the ticket while they collect on your auto insurance&period;<&sol;p>&NewLine;<p>2&rpar; <em>The Rear Ender<&sol;em>&period; You&&num;8217&semi;re smoothly driving down the road&comma; maintaining a perfect following distance&comma; when suddenly a car cuts out in front of you&comma; skids into your following distance then slams on the brakes&period; Since you don&&num;8217&semi;t have time to stop the only thing you can do is rear end them&comma; and voila&excl; Suddenly you&&num;8217&semi;re in the hot seat for an accident you were technically responsible for but never had a prayer of avoiding&period;<&sol;p>&NewLine;<p>3&rpar; <em>The Mobster<&sol;em>&period; Accidents happen&comma; and if you&&num;8217&semi;re a good citizen you&&num;8217&semi;re happy to pay for the damages you actually caused&period; But what about the ones you didn&&num;8217&semi;t&quest; If you happen to become the Mobster&&num;8217&semi;s victim you&&num;8217&semi;re going to find both insurance companies accusing you of thousands of dollars of damages you didn&&num;8217&semi;t commit&period; Why&quest; After your perfectly legitimate accident&comma; the other driver took a baseball bat and roughed up their car a little&comma; then blamed you for the whole thing&period;<&sol;p>&NewLine;<p><b>What You Can Do About It<&sol;b><&sol;p>&NewLine;<p>If you fall prey to one of these con artists&comma; don&&num;8217&semi;t get mad&period; Get even&excl; Carry a disposable camera around in your car to take pictures on the scene immediately following the accident so you have a tangible record of what damages were actually yours and which ones they pulled out of a hat&period; Always talk to the witnesses at the scene and ask for their record this can be invaluable if you happen to run across the Rear Ender or the Good Samaritan&period;<&sol;p>&NewLine;<p>Finally&comma; don&&num;8217&semi;t be afraid to tell your auto insurance provider when something&&num;8217&semi;s fishy in Denmark&period; Chances are if they&&num;8217&semi;ve gotten you it&&num;8217&semi;s not the first time&period; Drivers with a record are going to look mighty fishy in court if you decide to fight your culpability&period; These frauds happen&comma; and the court system knows it&period; If you&&num;8217&semi;ve got your photos&comma; your witnesses&comma; and your own reports well in hand you&&num;8217&semi;ll be in great shape when the time comes to go before the judge and figure out whodunit&period;<&sol;p>&NewLine;<h2>How To Combating And Report Vehicle Insurance Fraud<&sol;h2>&NewLine;<div id&equals;"article-content">&NewLine;<p>Auto insurance policyholders are fed up of the annual increase in insurance premiums caused by policyholders who stage accidents to file a claim and get compensated by the insurers&period; However&comma; certain measures should be put in place to combat this criminality&comma; and everyone must play their role to make the fight a success&period;<&sol;p>&NewLine;<p>Policyholders are not happy when they get a notice informing them of an increase in their <a href&equals;"https&colon;&sol;&sol;www&period;fraudswatch&period;com&sol;car-insurance-premiums-fraud&sol;amp&sol;">auto insurance premium<&sol;a> even when they have maintained a clean driving record over the years&period; A lot of us would think the companies are only trying to exploit their customers and make excessive profits&colon; this is not the case&period; The major factor behind the consistent increase in premiums is the auto insurance fraud which increases insurers&&num;8217&semi; cost&comma; and this increase bounces back to policyholders in the form of higher premiums&period; A lot of people have turned this crime into a full-time business&comma; and ranks the second most popular &&num;8220&semi;White Collar&&num;8221&semi; criminality in the United States&semi; thousands of policyholder gets away with fake claims every year&period; Although most big insurance firms have created investigative units in a bid to curb this problem&comma; only a hand full of the perpetrators is caught&period; If your premiums are becoming unaffordable&comma; then get an online quote today&period;<&sol;p>&NewLine;<p>Recent statistics reveals that motorists pay an excess of over &dollar;300 annually as a result of Car insurance fraud&period; The big question is &&num;8220&semi;How do these criminals rip off their insurance providers&quest;&&num;8221&semi; Here are some common ways&colon;<&sol;p>&NewLine;<p><strong>1&period; Policyholders Get Rid of Their Cars<&sol;strong><&sol;p>&NewLine;<p>This is very common&period; This occurs when a motorist abandons his car&comma; most times in a lake&comma; or set it ablaze&period; Such claims are difficult to investigate&semi; the driver can simply claim they snatched his car&period; This makes it difficult for the investigators to carry out any meaningful investigation&period;<&sol;p>&NewLine;<p><strong>2&period; Made-up Report of Vehicle Theft<&sol;strong><&sol;p>&NewLine;<p>In the event that the owner sells the car before it was reported stolen&comma; there are two outcomes&colon; Firstly&comma; compensation for the replacement of the vehicle and then the repayment of the actual sale of the first car&period;<&sol;p>&NewLine;<p><strong>3&period; Overstated Cost of Replacement and Repairs<&sol;strong><&sol;p>&NewLine;<p>This is common among repair shops&period; A repairer may fix a car with inexpensive parts but charge the insurance firm for high-cost parts&period; Some shops even charge thousands of dollars for an airbag that was actually not replaced&period; If caught in this act&comma; the culprit may serve up to a year&&num;8217&semi;s jail term&comma; coupled with a fine that runs into thousands of dollars&period;<&sol;p>&NewLine;<p>Another popular insurance fraud is the &&num;8220&semi;golden hammer&period;&&num;8221&semi; When a vehicle is involved in a minor accident&comma; the policyholder uses a hammer to cause severe damage to the car so as to inflate the claim&period; If you notice any of these unwholesome acts&comma; quickly report to the appropriate authorities&comma; to make them pay for their dishonesty and this will curb the rate of insurance fraud in the industry&period;<&sol;p>&NewLine;<p><strong>4&period; Falsifying Personal Data Registration Form<&sol;strong><&sol;p>&NewLine;<p>Your zip code determines your insurance rates&period; A lot of people play smart by registering with false addresses with lower premiums&period; This contradicts insurance ethics&comma; and if caught&comma; your insurance package may be terminated&period; While filling the insurance registration form&comma; ensure you fill your correct address&period;<&sol;p>&NewLine;<p><strong>5&period; Bloated Cost for Windshield Replacement<&sol;strong><&sol;p>&NewLine;<p>Have you ever experienced a situation where a mechanic you&&num;8217&semi;ve never met before that time&comma; approaches you&comma; telling you the consequence of your cracked windshield&quest; This is a big scam currently gaining grounds all over the country&period; These mechanics tell ignorant customers that they can fix the cracked windshield in few minutes&comma; and their insurers will handle the bill&period; All they do in the real sense is to replace the windshield with a cheap one&comma; and the insurer pays the full price&period; Don&&num;8217&semi;t be a victim&period; If you must fix your car&comma; ensure you visit a certified mechanic&period;<&sol;p>&NewLine;<p><strong>Join the Fight against Auto Insurance Fraud<&sol;strong><&sol;p>&NewLine;<p>The issue of car insurance fraud has eaten deep into the insurance industry&period; However&comma; with our little efforts&comma; we can curb the problem to the minimum&period; If you notice any sign of insurance fraud&comma; quickly file a report to your local insurance department&period;<&sol;p>&NewLine;<&sol;div>&NewLine;<div id&equals;"article-resource">&NewLine;<p>If we all join in the fight against this fraud&comma; the criminals will get out of business&comma; and this would reduce our insurance rates&period;<&sol;p>&NewLine;<h2>Where You can Report Auto Insurance Fraud<&sol;h2>&NewLine;<p>To report fraud auto insurance&comma; you need to find an institution lawyer specializing in insurance fraud&period; We searched and found some of these are highly rated and you them here&colon;<&sol;p>&NewLine;<p><strong>Coalition Against Insurance Fraud<&sol;strong><&sol;p>&NewLine;<&sol;div>&NewLine;<p>1012 14th St&period; NW Suite 200<br &sol;>&NewLine;Washington&comma; D&period;C&period; 20005<&sol;p>&NewLine;<p>202-393-7330<&sol;p>&NewLine;<p>info&commat;insurancefraud&period;org<&sol;p>&NewLine;<p><a href&equals;"http&colon;&sol;&sol;www&period;insurancefraud&period;org&sol;report-fraud&period;htm">Report Insurance Fraud Here<&sol;a><&sol;p>&NewLine;<p><span class&equals;"blackgraphtx"><b>National Insurance Crime Bureau &lpar;NICB&rpar;<&sol;b><&sol;span><&sol;p>&NewLine;<p><span class&equals;"blackgraphtx">&lpar;800&rpar; 835-6422<br &sol;>&NewLine;<&sol;span><&sol;p>&NewLine;<p><span class&equals;"blackgraphtx">The NICB is a non-profit organization that partners with insurance companies and law enforcement to help identify&comma; detect&comma; and prosecute insurance criminals&period; The <a href&equals;"https&colon;&sol;&sol;www&period;nicb&period;org&sol;">NICB website<&sol;a> is an excellent source of information<&sol;span><&sol;p>&NewLine;<p><span class&equals;"blackgraphtx"><b>National Association of Insurance Commissioners &lpar;NAIC&rpar;<&sol;b><&sol;span><&sol;p>&NewLine;<p><span class&equals;"blackgraphtx"><a href&equals;"http&colon;&sol;&sol;www&period;naic&period;org&sol;">www&period;naic&period;org<&sol;a><&sol;span><&sol;p>&NewLine;<p><span class&equals;"blackgraphtx">The NAIC assists state insurance regulators in serving the public interest and achieving regulatory goals&period; You can find numerous fraud resources on the NAIC website&period;<&sol;span><&sol;p>&NewLine;

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