Avoid insurance fraud when you have a shock

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When you suffer a car accident you may be frightened and frustrated, so the last thing you expect is to worry about do you on your auto insurance fraud during a time like this. Unfortunately, there are many people seeking to take advantage of the situation, either because they don’t want to face higher rates with the insurance company, who were drinking and don’t want to be incarcerated or because they don’t want to face a judicial problem.

Of course there are other ways in which you can become a victim of a fraud or a scam after a car accident. However, there are some important steps you can take if you are involved to protect yourself.

It gathers as much information as possible. This includes the exchange of information with the other driver to ask for the number of your driver’s license and auto insurance card. Try to get the names of everyone involved and take some photos of the damage from vehicles. Don’t forget to get a name, address and telephone number for all people in the other car.

Document of the consequences of the accident. Get detailed pictures of the damage to each vehicle. Call the police. Whenever there is an accident, make sure you are documented by local authorities. Get a report from the police officer on scene or any procedure in your State or town to have a copy. The officer asks what’s his name. Be careful with the hunters of ambulances. There are people who tells you that he is going for a doctor, a lawyer, a crane or a mechanic. Be careful. You may be the victim of a trap. Preserves all receipts and adequate documentation. Requested detailed bills for services you receive, including repair or medical bills. Never sign a blank insurance claim form. If you do it could be used against you when the time of the payment of damages and insurance payments.
Types of fraud

It understand what auto insurance fraud makes you much, may you be useful knowledge of some types of insurance fraud. Normally there are two categories of fraud and each has its features.

Hard fraud. It involves the creation of an event that would be covered by the insurance. This may include things like:

Stages or intentional accidents. It includes things like intentional rear shock, as well as people who set fire to your car intentionally. False injury claims. This includes people who actually participated in the accident, as well as others who were not even in the car at the time of the accident. Auto accidents in which the demands of the driver who caused the accident went on the run.
Soft fraud. It usually involves someone that has a legitimate right, but that fills the claim in order to get more money from the insurance company. These examples include:

Addition of any damage prior to the car in the claim to the insurance company. Conspiracy with the auto repair shop or insurance adjuster to increase the repair estimate. Conspiracy with the medical staff to receive and/or project procedures that aren’t necessary.
Insurance fraud can bind anyone, from the mechanics to the claims adjusters. Remains alert on how to avoid fraud to you and consider talking to a lawyer, if you require it.