Farmers Auto Insurance Company

Farmers Auto Insurance Company Offers Advice to Protect Yourself from Auto Insurance Fraud

Farmers Auto Insurance Company is well aware that auto insurance fraud can happen to anyone. There are people just waiting to take advantage of an unsuspecting motorist and cash in on the auto insurance payouts. Insurance fraud has been around for a long time. Unfortunately, everyone ends up paying in higher premium rates when these acts take place. Don’t become a victim of auto insurance fraud. You don’t have to become a victim of insurance fraud. There are steps you can take to protect yourself and help you become more aware of your surroundings so that you don’t end up becoming a victim.

There are several different insurance scams used. Some of the most common are staged accidents involving motorist that stop suddenly without warning to create a rear-end collision, or a scam motorists pretending to be helpful by letting you in front of them in traffic when they are really trying to create an accident that makes it seem like the innocent driver’s fault. Educate yourself as much as possible about fraud protection against car insurance accidental scams. Here are some of the most common scams to be aware of:

A Rear End Collision Staged Just for You

LDuring congested, work hour traffic, a scam driver may suddenly switch lanes to get in front of an innocent driver. The scam driver then slams on their breaks causing the innocent driver to rear end the scam driver. The scam driver may also fake medical injuries to try to collect more payment.

Spotting these scam artists isn’t always an easy thing to do. Pay attention to their interactions with others on the scene. These people often work in pairs. And listen to you gut. If you feel there is something suspicious about the accident, tell your insurance agent. He or she will have dealt with this before and be able to spot the signs of insurance fraud.

Adding Damage to Collect Auto Insurance

You are involved in an accident which may or may not have been staged. After all of the information is collected on the accident scene and everyone leaves, the scam driver drives to another location and creates even more extensive damage to their car claiming it was done in the original accident so that they can collect even more money.

Again, these people are often professional scammers and very good at what they do. Having a picture of the damaged vehicle at the time of the accident, or a witness to corroborate your side of the story is helpful.

Scam Helpers Cause Auto Accidents

One common scam is when an apparently friendly and helpful driver will wave an unsuspecting driver into traffic. The, instead of letting you into the lane, this scam artist will crash into your car. Don’t ever pull into traffic unless you have the right of way.

Some scam drivers will take their deception even further and offer to help you find an auto repair shop, doctor or lawyer. At this point, it is best to assume that everyone involved is in on the scam. The car repair shop may charge you ridiculously high repair costs, and the doctor or lawyer will lie in order to collect more money from your auto insurance company.

Auto insurance fraud can happen at any time and any place. It is important to remain prepared and aware at all times. Make sure that you are aware of your surroundings at all times. Always make sure to leave plenty of room between you and other vehicles on the road in case you need to stop suddenly. If an accident does occur, make sure to take notes about the details surround the accident, the other car involved. It is a good idea to keep a camera in your car to record the damage done to both cars. (Just remember to keep any cameras of other valuables out of sight to discourage theft!) A cheap disposable camera for emergency use only is a great option.

Use your own judgment when driving. Don’t let someone tell you that you don’t have enough room to get into or out of a parking space. If you feel like something about your accident was suspicious, make sure to inform your insurance company when you file your claim.

Farmers Auto Insurance Company can get you quick and accurate information as soon as you type in your zip code into the quote box at the top of the page or on our home page.

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Finding an auto insurance company is not difficult, but finding the right auto insurance company can be challengling. Policy provisions vary from company to company, as do premium rates. When you are considering which auto insurance company to get coverage from, it pays to do some research to make sure that the company is a reputable one. You also want to ensure that your company has the assets to pay out a large claim, if that becomes necessary…
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