An accident is probably not an experience you want to have, but some dishonest drivers will intentionally cause accidents to make illegal car insurance claims. The best way to protect yourself from these staged accidents and scams is to be a prepared, alert driver. The more information you have, the better your chances are of proving a scam. Be extra vigilant of how people act before and after the police arrive.
Here are a few staged accidents to watch out for:
This scam is pretty straightforward. The driver in front of you will slam their brakes for not reason leaving you with no time to stop. Avoid this scam by leaving plenty of space in the car in front of you and never tailgating.
In this scam, the scammer will give you a wave, signaling that they are letting you into their lane. Once you try entering their lane, they will speed up and cause a collision. When the accident is reported to the police and insurance, they will claim there was no hand gesture.
The scammer will wait until you make a legal left hand turn and enter the intersection. He or she will speed up to T-bone your car. Some will even have fake witnesses ready to give their statements when the police arrive.
Dishonest people in staged or legitimate car accidents can also report fake injuries to collect insurance settlements.
If you have any fraud information, report it to the National Insurance Crime Bureau by:
1. Texting “FRAUD” to TIP411
2. Calling 800.Tel.NICB
3. Submitting a report online https://www.nicb.org/how-we-help/report-fraud