How to Protect YourSelf From PIP FraudPosted: July 17, 2012
Because of Personal Injury Protection, or PIP, fraud. Florida policy holders are paying more in premiums. The cost has reached more than a billion dollar a year across the board in higher premiums. What is behind this fraud? Staged accidents. Have you experienced the following?
Another driver suddenly jumps in front of your car, jams on the brakes and causes a rear end collision. Usually the person who drives into to the back end of another vehicle is at fault.
Then you discover the other driver has a car full of people with injuries and makes a collision and injury claim against your insurance company.
It’s sometimes nerve racking enough to merge onto a highway with traffic, but then you have what you think is a good Samaritan who waves you to come on over and lets you in. The merge nightmare you do not expect is that now that nice driver crasher into your car. You report the incident and supposed to good Samaritan denies he waved you over and blames you for the accident.
Once the accident has occurred and you are still standing there in disbelief that someone could be so stupid and crazy to pull this stuff, you have another person to look out for. This scammer may approach you at the crash site or call you right after the accident. You are now going to be pressed into getting medical treatment at a place he or she suggest, your car fixed at a certain body shop or refer you to the best lawyer they know. Stay away from them. They may be fixing you up for more insurance fraud in the medical field, body shop or worse.
Because of these staged accidents, the insurance companies are paying out claims that are being paid by you in the long run. When Insurance companies pay more in claims, policy holders pay more in premiums.
What can you expect to happen to your auto insurance policy and standing with your insurance company? Now you have a claim that you are at fault for an accident and your premiums are more than likely to go up. Get enough of these and you could be looking for a new insurance company and a much higher risk policy.
Keep these tips in mind to help you protect yourself.
Stick to the rule of a car length behind another vehicle for every 10 mph you are going. If you are doing 40 mph stay back at least 4 car lengths. This way if someone does slam on their brakes, you have time to slow your vehicle down or move off the road.
Be aware of your surroundings. Many people I know who drive motorcycles follow this rule. They not only look at what is going on in front of them, but on each side and behind them. If you see a car suddenly coming up on either side of you at a fast pace, that usually means they want to pass you, slow down and give them the room to do so or move over if possible.
If you are merging onto a highway, be patient and let the other cars go ahead. If someone waves you in, wave them to continue on. I am sure there are good Samaritans out there, but with the staged accidents occurring so much, better to be on the safe side.
Keep a pen and paper handy in your vehicle. If you are unfortunate to be involved in a staged accident, or any accident, immediately call the police then get names, drivers license and phone numbers from the driver and all passengers. Get a head count of how many people get out of the car as more people could be coming to the scene to file claims too.
Take pictures of both vehicles and their location, the damage and the passengers. Watch how they behave. Are they ok, before the police arrive and then suddenly their screaming whip lash? Ask if anyone around saw the accident and get their names and phone numbers for the police.
The police report is very important for you. If there was just a small ding and the crooks are claiming a door needs replacing, then they are ripping you and your insurance company off. Stay on top of this with your insurance company as well as any medical claims from the other passengers and drivers.
If you find anything suspicious about your accident and the way its being handled contact the fraud insurance bureau in your state or the National Insurance Crime Bureau at 1-800-835-6422, they are open 24/7.
Have you noticed an increase on your auto insurance policy? Call us today to see if we can help you get a better rate. 863-453-3903
or visit our website budgetbirite.com fill out the form and we will have an agent contact you within 24 hours.
We find insurance that meets every budget!
Ask us about deductibles as low as $100.00.
Ashley Bishop Owner/Agent
Budget Bi Rite Insurance, Inc
Serving All of Florida