Insurance fraud costs all of us because the insurance companies pass along the cost of the fraud to consumers. But regardless of the fraud, it’s a fact that staged car accidents occur every day.
In fact, according to the Insurance Information Institute (III), Florida families with two vehicles paid $100 more for car insurance in 2011 due to these illegal claims. The “fraud tax” is a buffer designed to protect the auto insurance companies from taking the financial hit.
The perpetrators of such fraudulent schemes can target anyone, but they particularly seek out drivers of nice vehicles (because those drivers likely have good insurance). Other targets include solo drivers of either sex and elderly women drivers.
Red flags your car wreck might have been staged
You’re cruising along, obeying the speed limit and other traffic laws when a car pulls up parallel to you in the next lane right when the vehicle in front of you slams on its brakes. You strike them from behind, making the liability fall on your insurance company.
Beware of drivers motioning you to go
You’re at an intersection. Another driver motions you to go, but then accelerates and hits you. They will later claim you ran the stop sign and that they never gestured for you to go.
Witnesses appear literally out of nowhere
Even though you may have sworn there was no witness to an accident, suddenly a nearby resident or bystander will conveniently appear and corroborate everything that the other driver claims happened.
What can you do if you suspect fraud?
If you get into a wreck that may have been staged, it’s a good idea to seek representation from a well-respected personal injury attorney. They can review the evidence and help you determine how to move forward.