Insurance Cheats are Deadbeats
… and they cost you money !
Research shows that the average household paid $200-$300
in extra insurance premiums last year as a result of insurance fraud...
and wouldn't you rather keep that money in your pocket?
You may be surprised to find out who is stealing from you…
Jennifer grew up in the suburbs and attended college close to home. After graduating, she moved to the city for her first job but continued to list her parents' address on her auto insurance policy to avoid paying a higher premium. But someone paid for Jennifer's insurance… you did!
Insurance fraud can be committed by anyone, even people you may know.
Kevin had a fender bender in his new sports car. The claims adjuster appraised the damage at $700. Kevin took the car to his friend's auto body shop, who made the repairs for $300, and Kevin pocketed the extra money… your money!
Even "trusted" professionals can commit insurance fraud.
Dr. Harris schemes with Mary to collect money on personal injury claims for staged "slip and fall" accidents. Mary visits stores and pretends to fall, claiming slippery floor conditions. Dr. Harris verifies the "accident-related" injuries when Mary files claims against the unsuspecting businesses. Together, they are cheating department stores and insurers out of thousands of dollars in false injury claims, and driving up the prices for the merchandise YOU buy!
People may damage their own property to collect insurance money.
Dimitri avoided doing maintenance on property that he rented out. After one of the tenants complained to the township, the property was inspected. Rather than pay for costly repairs, Dimitri paid for someone to set fire to the building so he could collect the insurance payout and cut his losses. Dimitri's actions cost the insurance company, and his fellow policyholders, thousands of dollars - and could have cost this tenants and the firefighters their lives.
Insurance cheats may be collecting a monthly paycheck at your expense.
Liz was hurt on the job. Instead of returning to work when she was able, she exaggerated the extent of her injury to collect workers compensation payments. Then Liz found another job that paid her in cash, under the table, while she collected benefits from the first job. How does it feel to pay Liz's salary?
You may be a moving target for fraud criminals.
Charlie, Yvette, and Sandra drive around for hours looking for the perfect victim - an older person, traveling alone in an expensive car. Once they identify their target, Charlie pulls the car in front of the unsuspecting driver. He watched the rearview mirror, waiting for the driver behind him to glance away from the road for an instant. That's when Charlie slams on the brakes. When the elderly person hits their car, Charlie, Yvette, and Sandra complain of neck pain, and sue the other driver's insurance company for damages. People like Charlie and his friends are preying on you and your family to make a buck.
Fraud is the second most costly white-collar crime in America, behind tax evasion.
Property/ casualty insurance fraud costs Americans $20 billion annually- $3 billion more than damage from Hurricane Andrew.
Based on industry studies, 10 percent or more of property/
casualty insurance claims are fraudulent.
Insurance fraud results in increased insurance rates and higher prices
for consumer goods and services- and it hits you right in the wallet!
Insurance fraud, in any form, is a crime.
Don't Be a Victim!
While driving:
-
Be especially careful when turning into a lane that allows for two vehicles to turn left simultaneously. People who intentionally cause collisions often prey on cars that cross the center line by sideswiping the victim's car.
-
If you are in a collision, count the number of passengers in the other car. If possible, get their names, telephone numbers and driver's license numbers. Often more people will file claims than were actually in the car.
- Call the police to an accident scene and get a police report with the police officer's name, even if the damage is negligible. If the report describes damage to the claimant's car as a nick, it is harder for the criminal to damage the car later and try to collect a larger claim.
- Carry a disposable camera in your glove compartment. Take as may pictures of the other car and its passengers as possible.
To avoid unscrupulous medical and legal practitioners:
-
Be wary of physicians who insist that you should file a personal injury claim after an accident, even if you are not hurt.
-
Watch out for attorneys who claim their client is seriously injured on your property, especially if you have no prior knowledge of the fall or have no seen the claimant. Con artists often target small businesses and franchise operations with phony injury schemes.
Insurance cheats ARE deadbeats…
Don't let the bad guys live the good life on your money!
If you suspect a scam, report the ripoff!
Call the NICB hotline at 800-T-E-L-N-I-C-B (835-6422)
EMAIL US
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