Car Accident Compensation Claim: How The Scam Works
(with videos below) There are many types of insurance claims when it comes to car accidents or other types of personal injury. The number of crooks is continuously growing, while deceptive practices are being orchestrated from staged accidents to insurance money. A car accident compensation claim is a severe action, so looking for injury claim lawyers could also have a double-edged sword. Not to mention that you have to go to the fierce war with your insurance company when something unexpected happens.
In this article, we will talk about fraudulent schemes that could lead to astronomical medical bills, lost wages, and suffering. Let’s take a look.
Here are four common fraud examples of road accident compensation claims:
1. Swoop and Squat, aka the Bogus Accident Claim Compensation
This variation is mostly known as the “Swoop and Squat” case. It consists of fake vehicle accidents. A car (‘the swoop’) purposely speeds up and cuts you off by a few inches and stop. Since you are unable to stop in time, you rear-end the scammer’s car. Before you even realize it, three or four people come out of the ‘swoop’ car, claiming some whiplash injury compensation and proceed with making a car accident injury claim. You are out of luck. You will need a reasonable car accident attorney.
This scam has a long history. In the ’80s, immigrant people of Hispanic background were recruited to be part of the fraud as claimers. However, it is stated that the ‘Swoop and squat’ scam went wrong numerous times, taking the lives of innocent people and leading to additional injured victims. Do not get involved in any staged auto accident.
The Swoop and Squat Scam is also pulled occasionally by young people that are not even using a motor vehicle, but bicycles. It has been reported that some are fearlessly throwing themselves in front of cars, looking for maximum compensation.
2. Fake Road Traffic Accident Claims for Insurance
Watch the video below to see in action this scam caught on camera:
Imagine this scenario: you are driving into a busy intersection with merging traffic lanes where you might not have the right to be the first. The scammer – who does have the right to do it – might invite YOU to do it, by waving his hand. As you think ‘what a nice guy’ and drive ahead, he proceeds to hit you on purpose.
The crook will then claim that he was supposed to get in first and fill the insurance papers with confidence. He may even fake an injury, too. You are at fault, regardless of what you are saying. The scammer may also ask you to pay his fake medical expenses as well for this personal injury claim, as an accident victim.
Several injury claim lawyers have this case on their desks every day, as it seems to happen very often nowadays. However, an experienced attorney would help you go through this successfully, so that the criminal would not get much compensation.
3. Tow Truck Driver Suggests an Auto Body Shop or a Personal Injury Lawyer
This scam typically occurs when a real car accident happens. Some tow truck drivers take commissions from certain auto body shops. It may also be a doctor, chiropractor, physiotherapist, or even a fake personal injury lawyer – all coming ‘highly recommend’ by the tow truck driver at the location of the accident. These, in turn, will submit fraudulent claims on the victim’s behalf or deceive the victim into undergoing unnecessary treatments or lawsuits.
As the victims are still in shock and the tow truck drivers have some authority, the recommendations are always followed by visits to the places ‘suggested’. “I see you are suffering, man. Contact this attorney for your injury claim. You will win. Oh, and if you need your vehicle fixed, I may help you with that, too.”, may say the driver.
When it comes to the car crash damage, some shady mechanics will charge you an arm and a leg for a job that should probably cost you not even half – so guess what? The tow truck driver’s commission comes from your pocket.
After every traffic accident, make sure you do your homework on what the next steps should be. Whether it is about general damages or a serious injury, a compensation claim is a serious matter.
4. Sideswipe Compensation Claim
It could happen in a dual lane turn, where people typically cut a little bit inside, driving over the line. Scammers target cars that slightly come into their lane and hit them instantly. As they claim innocence, they fake accident injuries submit personal injury claims to any insurance company that they may deal with. This intentional collision is also known as the ‘Sideswipe.’
Road accident claims occur all the time, but be very careful about how you drive your car at all times. Otherwise, it would be tough to convince an insurance adjuster to be on your side in order to offer you a decent compensation amount.
Car Accident Injury Claim: How to Avoid the Scam
There are many ways to avoid all of the examples above so that you can reduce the inevitable suffering. Always keep enough distance from the driver in front of you. Or the one beside you. Drive slower in intersections and still stay in your lane, especially in the dual lane turns. Respect the traffic rules, let the ones who should go first go.
In the case of a real accident, use your cell phone to take a lot of pictures of the other car, to make sure the damage matches the story the scammer put on his/her insurance claim. Last but not least, when it comes to recommendations of mechanics or doctors, always rely on trustworthy people that you know. Injury claim lawyers are costly, so every car accident compensation claim might take you to the cleaners and lead to lost wages, although you may not be at fault. Be careful how you drive.
Since we are talking about fraud, educate yourself on a few other scams that are related to the topics mentioned above, by reading the following articles on Scam Detector:
How to Report the Fake Road Accident Compensation Claims
Make your family and friends aware of the Accident Compensation Claim Scam by sharing it on social media using the buttons provided. You can also officially report the scammers to the Federal Trade Commission using the link below:
You should also contact the Workers’ Compensation Board in your city (or whatever it is called in your area) to see what your options are. They deal with all types of fraud, from fake personal injury lawsuit and legal actions to even contributory negligence.
You can also inform your insurance company about the potential false complaint that they may receive, but make sure you have proof. As mentioned above, take pictures where the auto accident happened, so that you are somehow protected from any personal injury liability or additional punitive damages. Your own insurance company should provide you fair compensation if you have enough material to provide for your car accident claim.
How To Protect Yourself More:
If you want to be the first to find out the most notorious scams every week, feel free to subscribe to the Scam Detector newsletter here. You’ll receive periodic emails, and we promise not to spam. Last but not least, use the Comments section below to expose other scammers, whether their fraud is about a motor vehicle accident, medical bills, lost wages or related to any other economic damages.
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