Car insurance fraud occurs when a driver attempts to collect money from another driver’s car insurance company by staging an accident or intentionally striking a vehicle, or by making false claims. Victims of car insurance fraud are usually unaware that they have been struck by a criminal and may even be involved in a larger, organized crime scam without their knowledge. Only a thorough investigation of the incident can determine whether car insurance fraud has taken place, and the entire process can be stressful and costly.
You will need to take the following steps if you have been a victim of car insurance fraud:
1. Report the incident to the police immediately. Filing a police report immediately after the accident occurs will ensure that the authorities can document the incident and make note of all the details of the incident. Investigators may be able to determine if the accident has been staged, if the driver had purposely slammed the brakes to cause an accident, or if the incident was staged by a group of criminals. The police report can serve as a quality source of information to back up your claim or a pending lawsuit.
2. Take pictures of the damaged vehicles. Any evidence you can gather at the scene of the crime will help you win your case against the criminals and support any car insurance claims. Take as many pictures of the vehicles involved and damaged property so you have some solid evidence to support your claim or lawsuit during the litigation process.
3. Contact a car accident attorney. When you realize you have been a victim of car insurance fraud, you will need to contact a car accident attorney to evaluate the case. Experienced car accident attorneys will be able to review all of the details of the incident, and, in some cases, will reconstruct the accident scene to determine who was at fault and what exactly happened. Car accident attorneys will also be responsible for contacting law enforcement agencies involved, and for gathering police reports and other documentation related to the case.
If you felt something was suspicious during the accident and when talking to the other drivers involved, make sure you let your insurance company know. Many insurance companies will investigate the case thoroughly and will be armed with the tools and resources needed to conduct an in-depth investigation if they detect a scam.
If you have been a victim of car insurance fraud, make sure you contact the authorities and a lawyer so that you are not liable for paying higher insurance premiums or responsible for excessive out-of-pocket expenses to repair your vehicle.
“How to Buy Car Insurance & Avoid Scams,” CarBuyingTips.com.
“Auto Insurance Fraud and Car Theft,” NetQuote.com.
“Car Insurance Fraud,” CarInsuranceRates.com.