On January 2012, a recall report showed that the recent increase in insurance fees may have something to do with the also rising numbers of accidents related to text messaging while behind the wheel.
Since 2005, accidents have doubled while increased sharply in 2008. Texting while driving will not disappear, and is expected only to increase even more. Insurance companies are taking texting and driving seriously and are finally beginning to increase the values of insurance policies due to that issue. They encourage drivers to install apps that block text messages or to add devices that can block signals on cell phones to their vehicles to remain safe from the dangers of distracted driving.
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Staged car accidents are becoming more and more frequent across the country, especially in the wake of our country's recent financial crisis and economic downturn. Desperate people are turning to desperate measures that go so far as to stage a car accident resulting in fake injuries and exaggerated car damage.
Florida tops the chart with more than twice as many fraudulent insurance claims than the next two states on the list, New York and California, according to the National Insurance Crime Bureau. In less than a year's time, over 260 people have been arrested on accounts of auto insurance fraud. Unfortunately, these bogus claims, often lead to skyrocketing insurance rates for the rest of us.
Crooks have crafted a few different ways to take advantage of you and your insurance company. As an attorney at the Law Offices of Kirk Bernard, it's heartbreaking to hear stories of people's lives destroyed by an accident that was caused intentionally. Government agencies need to ramp up their efforts to crack down on these criminals. Here are just a few examples to watch out for:
It's nothing new for criminals to try and gain money with fraudulent insurance claims. As the economy continues to fluctuate, people begin to worry about money and how they're going to get it. Many times this opens the door to criminal thought and behavior.
Now criminals are using methods that could target you as a victim during a car accident. Many of these schemes involve an orchestrated whole team of people with multiple cars involved. The scenarios are very detailed and usually involve trying to take advantage of the insurance companies.
It's really a shame what criminals will try and do to scam the system and it only makes things more difficult for the real victims in accidents and injury claims. Here's a short list of a few ways you can protect yourself from falling victim to these car accident frauds: