We never know when we’ll be involved in a car crash. Being a careful and responsible driver is always a must. However, there are times when things “just happen”. Unfortunately, there are other times when gangs of scammers stage car crashes and try to make it look like we were at fault. This is a type of insurance fraud, and its name is crash for cash. This is becoming more and more frequent in urbanized cities, and states like California and New York tend to have a huge amount of crash for cash incidents.
There are several aspects we need to be aware of in order to avoid being a victim of scammers. First, we need to understand what exactly are crash for cash scams and how they affect us. We also need to consider extra road safety tips to avoid this type of scams.
What Are Crash for Cash Scams?
Crash for cash scams are a very popular type of insurance fraud. Gangs of scammers stage or cause road accidents and then try to make it look like we were at fault. They do this to file claims overstating the costs of repairs. Not only that, they also state they have injuries more severe than what the crash would cause them. By doing this, they are not only committing a crime, but they’re also putting the lives of innocent people at risk.
Scammers usually work in gangs, including drivers for different cars, passengers, and even fake witnesses that will all work together to make the accident look like it was your fault. Usually, scammers will randomly and suddenly, leaving you with no time to react properly, causing a rear-end collision. Another common practice that scammers use is disabling the brake lights, too. That way, it is less likely that we will react and avoid the collision.
How Do Crash for Cash Scams Affect Me?
To begin with, crash for cash scammers are putting our lives at risk. Us or any of our passengers could get and injury, which can mean having to get medical leave from work, missing school, etcetera. These scams also wreck our car, and again, our jobs, school, and family life are interrupted.
However, that’s not all. Since crash for cash scammers stage accidents that appear to be our fault, our insurance rates will definitely increase. Being at fault means that our insurance company will see us as a risk. Therefore, we will be subject to higher rates and premiums, and we’ll end up paying more every month.
How Can I Avoid Them?
Being a careful and responsible driver is always a must. We should be able to avoid distractions when we’re driving. It’s obvious paying attention to other drivers and pedestrians makes it less possible for us to become victims of crash for cash scams.
Completing a Defensive Driving Course can be another alternative, too. This way we will be able to respond better in case of an unfortunate or unforeseen situation. Besides, some insurance companies offer discounts to policyholders who complete safe driving courses.
If we were not able to avoid a car crash, we need to pay attention to the people from the other car. If they seem to be too calm or confident, they might be scammers. More often than not, people tend to be in a state of shock when they have a car accident. They might also respond aggressively or get anguished about it.
The best thing to do is to document everything, get the names of everyone involved, and make sure you contact your insurance company right away.