It is undeniable that almost everybody is affected by the current recession. Jobs have been lost, and times are really hard. And as money may prove difficult to come along these days, higher crime rates even makes the picture worse.
This is why even the most regular car policy holder should be wary of the car insurance scams that are now targeting motorists for their policy money. So, in order to protect yourself from becoming a victim, read up and arm yourself with the latest scam on the streets, the rear-end collision scam
The Rear-end collision scam: Introduction
Basically a scam that is pulled by staging rear-end collisions, this car insurance scam can really get you and your auto insurance company in a big mess. The crime manages to swindle money from motorists through faking an accident, giving them access to file claims on your car policy.
How it works
Usually, this crime is executed through some street maneuvering by the scammer/driver. All they need to do is overtake you and get in front of you in your traffic lane, then quickly put their vehicle into a halt, catching you in a surprise that may cause you to hit their vehicle's rear-end. And as most rear-end accidents put the car behind at-fault, the scammer now gets to have a hold on you and your policy.
Now, this fraudulent crime can be executed in two ways: the first one may hold claims from your auto insurance company for repairs, and the second one for bodily injuries. Collision claims will cost you a lot, as usually, these scammers also have a partner body shop who will write up excessive estimation fees that can easily give them access to your policy money.
On the other hand, the bodily injuries claim is the worst kind of modus operandi in these scams. As rear-end accidents can cause whiplash, which are injuries that are very difficult to prove, the scammer's medical claims can really be dragged for a very long period of time. What's even worse is that they also usually have doctors, lawyers, and chiropractors in these frauds, making their case against you and your auto insurance company stronger.
As this fraud gets more and more popular, car companies are getting equally more wary about claims on rear-end collision accidents. This is why you should also be on the lookout for scams like these because it can easily happen to you. So, make sure that you file a police report when you get in troubles like these, because apart from it is the right thing to do, it can also protect you from getting scammed.
