The 3 Most Common Car Insurance Scams You Should Guard Against

The 3 Most Common Car Insurance Scams You Should Guard Against

Everyone knows that driving has its risks, but most of us assume that everyone on the road is well-intentioned (if discourteous at times). Unfortunately, this isn’t always the case; there are a few drivers out there with far more nefarious plans. Here are three common accident-related scams, along with what you can do to protect yourself from them.[clear]  Car insurance Scams The Staged Accident: No one likes getting in a car accident, right? Actually, there are some scam artists who specialize in setting up car crashes so that they can collect money from your insurance company, not caring that you’ll pay the price in higher premiums. The most common is the forced rear ending, in which a driver will cut in front of you and slam on the brakes. In most areas, a rear-ending is automatically considered to be the second driver’s fault, so the only way to protect yourself from this scam is to avoid tailgating.Other versions of staged accident scams involve a driver waving you forward even if you don’t technically have the right of way, crashing into you and then telling police you ignored right-of-way laws. Trust your gut; if something feels off about a situation, simply insist that the other driver go first. If you do get into an accident you think was staged, try to ameliorate the situation by gathering as much information as you can on the other driver and documenting the scene in case you need to dispute their version of the events. You should also inform your insurance claims adjuster immediately. The Not-So-Good Samaritan: If you are in an accident, don’t...