How Can You Prevent Auto Insurance Fraud?

by : Kian Chew Chong

Insurance Fraud in America is becoming an epidemic. I willdiscuss several of the more prevalent auto insurance scams that are found inthe industry currently. I do this in hopes that you can spot these frauds andthen prevent them from occurring to yourself or other people. All they do ismake the insurance of the right and true go up.

In today’s world one of the more popular insurance scamsdefrauding us involves the actual insurance and auto accidents. If I need to bespecific then I will have to say staged accidents – fakes – rigged. Theselittle “plays" have become incredibly elaborate and complex to the point ofinvolving teams of individuals and more than one “mark" car. There are variousstyles of these types of frauds of which include:

The first one to cover is known as the “swoop and squat"which involves three cars. Two of the cars are piloted by the scammers and the3rd is the unsuspecting victim or “mark". The driver in the “squat" car putshimself in front of the victim’s car and the “swoop" car pulls in front of thesquat car to intentionally cut off the squat vehicle – this action allows thesquat car to slam on his breaks which means that usually the victim can’t reactfast enough and slams into the squat car. The swoop car continues on – its jobcomplete. As far as the victim is concerned the swoop car caused the accident butsince they vanished into thin air the victim is stuck paying for car repairsand injury claims.

The side swipe scam happens at busy intersections that havetwo left hand turning lanes. The scammer positions his car in the outer leftlane and when the victim’s car enters the outer turn lane the criminal swipeshim. In order to have success at this fraud the criminal scouts theintersection out to ensure its busy and that drifting can occur.

The Panic Stop is very common. This scam involves an old carfilled with passengers. The car is driven in front of the mark’s car – one ofthe passengers will look out the rear window at the victim’s car and will lookfor any signs of distraction such as answering the cell phone, looking down forbrief moment, turning the radio station or lighting a cigarette. Any possiblesituation where the drive can take his eyes off the road will work. When hisaction is spotted the driver of the scam car is notified and the brakes arepressed. The victim will claim they stopped short but it won’t matter and hewill have to pay out for car damages andpersonal injury claims for everyperson in the car.

These criminals are the scum of the Earth. They figure theyare not hurting anyone but a big company. The fact is it that they are hurtingeveryone. Every insurance company is made to pay fraudulent claims and ourrates go up due to it.

UnfortunatelyArticle Submission, the only way to avoid being scammed like thisis to be cautious of any vehicle in front of you – obey all traffic laws and ifsomeone in front of you is suspect increase your distance. These scams can onlywork if you are close enough to make it plausible.