A car insurance policy is required in most states and almost all
drivers and car owners understand it. However, the problem is that not all insurance
companies are trustworthy. It is normal for them to do whatever it takes to
negotiate for the lowest possible price but they should never cheat their
policy holders. Unfortunately, many companies engage in frauds to earn profits.
These are ways to protect against frauds.
Starting with car Insurance
Agents
Going to an agent for your car insurance quotes saves you time and allow you to find the best options. A
service of an agent is a big help except when the agent plans to scam you.
There are agents who collect money from consumers and don’t forward it to the
insurer. Some even create fake policies. The end result is that the individual
who paid the fee will not have an insurance policy. To avoid this, make sure
that you know the name of the company and wait for a confirmation in the mail.
Without a confirmation letter, you may consider calling the insurance company
directly to know details about your coverage.
Other Drivers May Scam
You
In addition, fraudulent automobile insurance companies and agents
are not the only ones you need to be careful of. Auto insurance claims have been
the target of some individuals who are desperate to get money. You may find
yourself driving at night when another car came from behind at a fast speed and
suddenly stops in front of you. It is a popular scheme to get compensation for
the car damages and injuries of passengers.
As much as possible, do not drive in deserted roads especially at
night to avoid “swoop and squat” tactics. Protect yourself by being always
watchful of other vehicles especially the ones in front of you. Hitting the
vehicle in front of you will always make you the cause of the accident so you
will be the one to provide compensation through your insurance. Make sure to
allot enough space between your vehicle and the one in front of you.
When a car accident has already occurred, act like a reporter and
document everything from the number of passengers and the injuries they suffer
to taking photographs and proofs. It is common for fraudsters to add more
passengers to get bigger compensation. You should also wait for authorities
before moving your vehicle. As much as possible, get records from the police
and hospital as these will help you counter any allegations that you cause the
accident.
Beware of Helpers
When an accident occurs, some people may come to you and tell you
about doctors, mechanics and other people who can help you. Watch out because
they may just overcharge and give some dollars to the one who recommended them.
The result is that the insurance company has to pay more for the repairs and
medications. It does not end there because insurance companies increase
premiums after you filed a claim.
If you are entitled for a claim for repairs, look for reputed car
repair shops. Avoid going to car shops that are recommended by other drivers or
witnesses of the accident unless you have a good experience with those repair
shops.
Author:
Christopher
Steyn
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