Car owners or motorists should be aware of the rear-end collision scam. This type of scam can hardly be identified by victims especially if they are unaware of its modus operandi. Avoiding this scam can also be hard because the situation is staged by the scammer. The scammer stages the situation to lure the victim into hitting the rear end of his car. One can only try to prevent this scam but only by understanding how the scammers do their work that a person will be able to avoid it.
The scam starts with the collision. In this incident, the scammer manoeuvres his car in order for it to be positioned in front of the victim’s car. When the cars’ position is set, the scammer suddenly stops his car. This will obviously cause a shock to the victim and being the ‘behind’ car, it will smash the rear end of the scammer’s car. When this happens, the car which hit the rear end of the seemingly victimized car of the scammer will be held responsible.
It is a law in many states that the behind car in a rear-end collision is the one at fault. This is where these scammers have based their operations and thus, have been successful in gaining money from insured individuals and their car insurance companies. It could be just befitting that a thorough investigation should be done by the victim himself in order to assure that the fault is really his and that he is not being scammed. This type of scam could cost a victim a lot of money. Not only will it dry out his insurance, sometimes the victim will have to shell out more.
In most instances, the scammers also have partners who will help them squeeze out money from a victim’s coverage policy. They partner with body shops who write quotations that are far from the real amount for the repairs. At times, they will add damages to the car to make the estimates believable. Others partner with doctors, who will be their accomplices in writing up medical reports. A whiplash can be caused by rear-end accidents and are hard to disprove. This can lengthen the treatment because the scammer would just make fake complaints.
Both scenarios of repairing for the scammer’s car and treating the scammer would cost a lot to the victim’s car insurance coverage but there are ways to spot this scam. If the scammer files for repairs, they usually ask that the situation be settled quickly. They would only ask for the insurance details and sometimes, if the victims are also in a rush, they agree to the quick settlement.
On the other hand, if the scammers file for bodily injuries, they usually ask for a settlement instead of asking the victim to pay for the medical bills. This is because the settlement costs more than the medical bills. If this happens, be suspicious and wary of your dealings.
In the end, one easy way to avoid these situations is to keep in mind that driving safely is an ultimate rule on the road. Not only will you avoid grave accidents but that you will be able to keep your best car insurance from getting drained.
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