Insurance fraud costs companies millions of dollars each year, and the problem continues to get worse. Fortunately, insurance agents have become adept at spotting fraudulent claims, which can keep you from losing money if you are caught up in an automobile insurance scam. Rob Sorensen from a Orem auto insurance agency, sent us these ways that you can spot auto insurance fraud or scams.
Warning Signs of a Scam
If you’ve been involved in a car accident, you may not be worried about whether you are the victim of a scam at that time. The people running the scam are probably counting on you being too shaken up to notice anything unusual about what is taking place after the accident occurs. However, if you are vigilant, here are some warning signs that a scam is being run on you.
Recommendations to Professionals
After the accident has occurred, and the authorities have been contacted, you may be approached by someone recommending you see a doctor or hire an attorney. While that may not be unusual, if they recommend a specific doctor or attorney, you should be cautious, as they could be trying to commit insurance fraud. Politely decline their recommendations, go to your own doctor if needed, and retain your own attorney.
Insistence to File an Injury Claim
Some doctors are not above filing false claims to receive payments by insurance companies. If you see a doctor after you’ve been in a car accident, and they insist that you file an injury insurance claim even when you haven’t been injured, they are trying to get you to commit fraud. Your medical insurance will pay for you to see a doctor, and if you haven’t been injured in the accident, do not file any unnecessary claims. You could get in serious trouble if caught filing an unnecessary injury claim.
Help Automatically Arrives
If help of any kind arrives without someone calling for it, you should be cautious, because it is probably part of a scam. The most common occurrence is when a wrecker shows up for your car, and you hadn’t called for one. While there is a chance they were passing by and saw that you needed help, the more likely scenario is that they knew about the incident, because they are a part of the fraud. Ignore their offer of help and call for a tow truck yourself if you need one.
Inaccurate Claims Information
You should read over any information regarding your automobile accident, especially the claims information, to make sure it is accurate. The auto collision company, doctor, or another company involved with your claim may pad your claim so they can get paid more by your insurance company. If you see information that isn’t correct, contact those companies and your insurance company to question it and get the information corrected.
For more information on auto insurance fruad schemes, click here for a blog from BankRate.com
Most insurance companies are good at spotting fraudulent claims, but you can spot scams or fraud too. Be careful about excepting help after an accident and carefully go over all of the paperwork connected with the accident.