When you're on the road, several of your fellow motorists are looking to make a quick buck by scamming your insurance company. While this may seem like a tall task, it can actually be accomplished quite easily. Most instances of car insurance fraud involve a motorist intentionally causing an innocent driver to crash into his or her car so that he or she may make an insurance claim.
Since the objective of insurance scammers is to collect on your insurance policy, they will trick you into colliding with them. Though they caused the accident, it may still be considered your fault since your automobile is the one that initiated contact with the scammer's automobile.
Most of the schemes scammers employ are quite simplistic; many of them involve braking suddenly to cause the motorist behind them to crash into them. Some methods involve waving a driver into a queuing line of traffic, then speeding up and hitting the driver and denying having waved in the police report, making the other driver at fault.
Fraudulent claims can be quite costly not only to your insurance company, but to you. When you get into an accident and you are found to be at fault, your insurance premium may go up. Depending on what the other driver claims, your premium could increase even more. Some of the things insurance scammers tend to claim are:
Personal injury and medical bills
Car repairs
Rental cars
Lost wages
In many cases, it can be hard to prove fraud since many insurance scammers have phantom witnesses to testify against you. A phantom witness is a person who works in conjunction with the insurance scammer and was not at the scene of the crash but claims to be and says you were responsible for the crash.
Unfortunately, you can also suffer serious injury in an insurance fraud case. Just because you are the one who crashes into the other car doesn't mean that you are less likely to get injured. You may suffer whiplash, broken bones, or something even more serious. In these cases, when you think fraud may have been involved, getting a personal injury lawyer is in your best interests.
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