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Tips for Avoiding Auto Insurance Fraud

    2 minute read

    Auto insurance fraud happens when a driver intentionally causes an accident with another driver in order to collect on a claim. Most of the accidents involved in auto insurance fraud happen when a driver swoops in front of a distracted driver and slams on his brakes. Because the driver in the rear is typically found at fault, the scammed driver is left with the cost of deductibles, and a blemished driving record. This is why it’s in the interest of every responsible driver to avoid auto insurance fraud by maintaining vigilance.

    First, it’s important to be aware of the tactics insurance fraudsters use.

    One of the methods that fraudsters use is the “swoop and squat.” In this maneuver, two vehicles work together to create the conditions for an accident. Once the fraudsters have chosen their mark, the first will swoop in front of the second, giving the second vehicle cause to slam on his brakes, and causing the third vehicle (the victim) to rear end the second. Because this maneuver takes collaboration, you should be aware of the other cars around you, and avoid drivers that appear to be communicating with one another or driving erratically.

    Another tactic used by fraudsters is the left-turn side swipe. This maneuver occurs at a two lane left-hand turn, where the fraudster is on the outside and the victim is on the inside. During the left-hand turn, the fraudster will cause an accident by sideswiping a car that drifts into his lane, or by driving into the lane of the victim but claiming otherwise. The best way to avoid this kind of accident is to maintain awareness and drive defensively.

    Because insurance fraudsters seek out distracted drivers, the best way to avoid becoming a victim is to maintain focus on the task at hand – driving your vehicle. This means keeping your hands on the steering wheel and your eyes on the road. If you don’t appear distracted, fraudsters will likely choose another target.

    This content is offered for educational purposes only and does not represent contractual agreements. The definitions, terms and coverages in a given policy may be different than those suggested here and such policy will be governed by the language contained therein. No warranty or appropriateness for a specific purpose is expressed or implied.