This is a guest post from member Renaissance Alliance Insurance Agency Ross based on a position that has been presented on the Ross blog.
Car accidents are a dangerous and unpleasant reality of modern life. Even the best driver will likely be involved in an accident at least once during their years of driving; Statistically, one of six Americans will be in an accident each year, with the odds slightly higher for young drivers. Even in case of accidents do not include injuries, you do not want your insurance rates to go higher. The last thing anyone wants is to be involved in a car accident, or so one might think.
Unfortunately, this simply does not hold true for criminals. The Coalition against insurance fraud is wary of staged car accidents - a form of auto insurance fraud. These staged accidents were taken to a new level in Florida, where the staged accidents often come with false medical claims filed in clinical wrong. Florida, a no-fault state, seems particularly plagued by this kind of scam activity. . Accordingly Florida drivers are paying up to 65% more than drivers in other states for their car insurance
We are not immune from staged accidents taking place in New England, either - last spring, the Attorney General's Office dismantled a ring Massachusetts auto fraud. A lawyer, chiropractor and another person were convicted of working in cahoots to commit fraud and theft insurance after organizing several accidents. .
Avoiding Auto Accidents stepped
- Know what to look for. The link above Coalition has an article that describes the four most common types of scams - become familiar with them
- Keep alert. Most scams rely on you being distracted, just before the accident or at the time of the accident.
- Call the police if you are in an accident. It may be tempting to ignore minor skirmishes, but better safe than sorry.
- Do not rely on your memory. With mobile phones, it is easy to document the scene of an accident. In addition to the exchange of information, taking photos of the scene of the accident, damage the vehicle and the passengers in the other car.
- Report suspicious events. If you suspect fraud, call your state office of fraud insurance (here's a link to the Office of the Massachusetts insurance fraud) or report it to the National Insurance Crime Bureau if you suspect a scam. The toll is 1-800-835-6422 (24 hours a day, seven days a week).
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