How to Protect Against Auto Insurance Fraud


Realize the circumstances that might put you in danger of being a victim of a staged accident. For instance, a car suddenly cuts off the car in front of you. The car in front of you slams on his brakes, and if you're following too closely, you can't stop in time and rear end him. Protect yourself from this scam by always allowing plenty of distance between you and the car in front of you.


Report all accidents to your insurance company. Don't try to settle at the scene, especially with cash. Obtain names, addresses and phone numbers of the people in the other vehicle (sometimes there will be a lot with a staged accident) and all witnesses.


Keep a disposable camera in your glove box to photograph car damage and the surrounding area in the event of an accident. If anyone tries to file an insurance claim against you for more damage than was done because of the accident, you'll have pictures to show what the vehicle looked like at the scene.


Call the police whenever you are involved in an accident. Reports typically aren't filed for accidents that result in property damage alone. But the police officer will be an extra set of eyes as to how many witnesses there were and how many people were in the other car, should their be any discrepancy between what you remember and what the other driver is reporting to your insurance company.