Fender bender fraud raises car insurance premiums for all drivers out on the road every year by costing insurance companies enormous sums of money. As a driver, you can do your part to minimize another driver’s chances of pulling off insurance fraud with the following five helpful tips:
Always get a police report written up
Sometimes, drivers are tempted to forego the police report because it usually takes a lot of time to wait for the police to arrive on the accident scene. However, any time you’re exchanging insurance information with another driver, you should also be having the police come in to observe and mediate the proceedings.
Look for witnesses
It’s often hard for drivers who are shy to get the witness testimony they need because they’re reluctant to question bystanders. However, doing so could really help you out later on. If you have numerous witness testimonies backing you up and supporting the idea that a claim is fraudulent, you’ll be able to protect yourself from unfair claims on your insurance policy.
After the accident, take pictures of everything. Pictures are especially useful in proving that an individual was not really severely injured at the time of the accident. You therefore might even want to get pictures of the other drivers involved if possible.
Communicate with your insurance company
If your suspicious of fender bender fraud, you should tell your insurance company. Your insurance company knows how to investigate suspicious cases. If you want to prevent your rates from going up because of an unfair claim, notify your insurance provider of any suspicions right away.
Interested in learning more? For an auto insurance authority located in the Newark area, contact E.S.T.I.R. Inc.