car insurance fraud
NICD estimates that customers have to pay 200 to $ 300 more for the premium for automobile insurance fraud. Imagine the size of the overall sum, considering that each company has to buy insurance.
There is a direct connection between the insurance scam, leading to higher rates and prices in the store, as a result of fraud is the problem of the whole society, it becomes everyone's concern and each of its members.
If you have a closer look this phenomenon, you will see two types of fraud. The car insurance fraud is divided into 2 categories or levels: "hard" and "soft" ones. When people intentionally deceive arrange the performance of the company to continue to gain, this is regarded as a severe type of fraud.
How and when this happens?
1) When the collision mimics
2) When making false claims about medical matters. The information is fiction invented for the insurance company believe that the injuries were received in the accident.
3) In the "jump" in the cases. This is a special type of fraud, involving imaginary physical damages. In reality people were not even in the car when the accident occurred.
4) When we say that some motor vehicles caused accident and did not stop then.
When people are in negative equity situation, they want to reject from the car. This is so common. In this case, hiring the person to organize the fire or leave your car somewhere to report on the secrecy in order not to lose money. The car is a burden to them and this fraud is as a way out of bad business, because the insurance company will reimburse the loss. This is why so many people often use it.
When organize these things, people can do great damage. Not that is harmless to them. If you are exposed, your premium will be much higher or cancel the insurance policy can follow. But errors are not excluded and innocent people can also be found guilty.
Another type of fraud is "soft" fraud, result unprincipled actions of the insured. What is meant under "soft" fraud? Examples of this type are described here.
1) When people written to the damage done at the beginning of the claim made above
2) When the policy holders to develop the plot with the person of the repair shop and provides quite different estimates of the damage to get benefits
3) Sometimes people make a dishonest agreement with medical staff to raise funds for unnecessary services
The number of fraud cases has increased considerably. Networks of people have been exposed and belong to different professions: mechanical, lawyers, doctors, etc..
Fight against fraud.
In the attempt to suppress these actions of insurance companies took steps to set SIU. They are created to eliminate insurance fraud. Specific laws were accepted to regulate the situation in this area, the special work Buros conduct in this respect in some states. In some cases, insurance companies do not get the expected support and units of siding with the customer.
In the words of Peter van Skipper, director of SIU, these organisms do not base their work on the client's fault, the investigation of suspected cases and trying to prove the innocence of the person. things you have to pay. Need to repair the car and pay for medical services if he was injured during the accident. However, the company launched the procedure Research and surely this applies to everything. The customer is sometimes applied to the court he got tired of waiting.
Excessive surveillance causes much headache. Unfair treatment is also a big problem and drivers are often accused accurate and suspected without reason.
With regard to crimes between white-collar customers, fraud This causes great losses in the U.S. economy. For example, 2 years ago the sum reached $ 6, $ 8 million.
This is strange, but these costs have not changed greater public awareness of this crime. Many do not really consider it a big problem. It is not really considered a crime real, despite the fact that it affects any policyholder.
About the Author:
Alexander Vishi is an author of auto insurance blog. You can find a lot of useful information by visiting URL: http://insure-car.net
Article Source: ArticlesBase.com – Car insurance fraud can cost a pretty penny!
Car Insurance Fraud
