Monthly Archives: June 2017

Following A Motor Vehicle Collision

Automobile accidents can be devastating in many ways. Besides the obvious risk of injuries, there is a lot of hassle involved in repairing your car and getting back to normal after the accident. There are a few things you should remember to help this process along should you be involved in an accident.

  1. Once the accident happens immediately call 911 and wait for the police to get there. Determine if you are hurt and describe any injuries to the rescue team upon their arrival. Go to the hospital if necessary.
  2. If it is a minor accident and there are no injuries, give your statement to the police when they arrive. Provide them with your insurance information and your drivers license. Ask where you can obtain a copy of the police report from once it has been filled.
  3. Call your family. Loved ones will want to know you are okay.
  4. When you talk with the other driver or the police NEVER admit anything about the accident was your fault, even if it was. Let fault be determined in a non biased way by the accident scene police.
  5. When you get home immediately call your insurance company and report the incidence. Give them full detail of the problem and were a copy of the police report can be obtained. File a repair claim and arrange for any rental car service you may have. From there your insurance company should be able to guide you through the remaining process.

Following these simple tips will help you speed through the recovery process once you have been in an accident. The best way to survive the aftermath of an accident is to simply be prepared. Knowing what to do, who to call and what to say can help make the process run smoothly. Review your policy so you are aware of any limitations or deductibles you may have with the accident.

Fraudulent can either be soft fraudulent insurance

Auto insurance claims that may be fraudulent can either be soft fraudulent insurance claims or hard fraudulent insurance claims. Insurance adjustors have within their means ways of spotting either type of fraudulent auto insurance claims if they can prove that the claimant is deliberately involved in such criminal behavior by doing some simple investigation to verify the claims made by the claimants.
A type of soft fraudulent claim can be spotted if the insured files repeatedly for the same injury, files for injuries that were not caused by an auto accident, claims to have been deprived of more work related income than he or she actually earns or files for more costs in repairing the damaged auto than was actually paid to have it repaired.

Examples of hard fraudulent auto insurance claims involve criminal behavior like staging auto accidents in order to file a claim. Other readily spottable bogus claims come from filing a claim for an accident that the claimant was not even involved in or filing for repair costs or for medical treatments that were never done.

In some cases, if a certain car is over insured, accidents like rear end collisions are staged to have the claimants who were rear ended file for medical damages against the bumper’s auto insurance. There are cases where a car is packed with passengers and is deliberately stopped in traffic to have the over insured car following bump the rear of the car with the passengers. All of the passengers then file for medical injuries against the insurance held by the car that bumped them. The claims are obviously bogus but proving them would mean paying an investigator to prove collusion between the car accident orchestrators.

Auto accidents that have no real serious injuries or damage but involve settlements paid for medical injuries or inflated repair costs that might even be more than the car is actually worth are easily spottable as bogus claims. In some cases, autos are insured for more than they are worth and are wrecked deliberately for the insurance money. Proving bogus claims are obviously more difficult than spotting bogus claims.