How to Stop a Fake Accident Injury Claim
Insurance fraud is a growing problem throughout the United States, and can carry serious ramifications. The worst part is perpetrators are becoming more creative and fruitful at pulling off these scams.
Some stage accidents, such as, suddenly hitting the brakes, in hopes of the vehicle following behind will collide with their bumper and the driver hit from behind can fake his or her injuries. Others will create a fake car title or registration for a nonexistent antique or luxury car, then report the vehicle stolen and file a claim.
Fortunately, some guilty claimants may get dropped by or denied coverage by their insurance company. Or they may be forced to pay back the insurance company what was swindled for monetary gains. Others face additional fines including punitive damages, costs expended in investigating the fraud, and even criminal charges.
Such rip-offs cost Americans tens of billions of dollars a year.
The most common scam is Auto Insurance Fraud and thanks to our declining economy, it’s causing more people to resort to drastic measures to bring in a little cash flow.
A dishonest person committing fraud may only need your name, evidence of the accident, and your insurance companies phone number.
The following are some ways to help protect your claim and disprove fraud after being involved in an automobile crash.
Kinds of Fraud:
Soft Fraud is the most common form. It occurs mostly fallacious claims when claimants stretch the truth or exaggerate their injuries to run up bills and damages. Claimants can also stage an injury by falsely using a prior injury as the ground to a new claim.
Hard Fraud is serious. These are situations in which one or more people stage accidents, or when they plot to contrive circumstances resulting in real or feigned injuries. Insurance companies and the police don’t take these situations lightly. This category of fraud has civil and criminal penalties.
Vehicle Collisions aren’t the only type of claims faked or exaggerated. People also file injury claims on alleged slip and fall accidents, defective products, dog bites, work injuries, medical mistakes, and more.
How to Make Use of Police Reports
Call the police if you are in a car wreck. In most instances, the police won’t arrive at an accident scene unless someone is hurt, the wreckage is blocking traffic, or the scene poses a danger to others.
If you and the other passengers involved in the accident only endured property damage, the police may not reply to the scene.
Keep notes in a safe place of what happened at the scene. The scarcity of complaints of injury at the accident can help prove an injury accident is fraudulent, even though it is possible for the symptoms of whiplash and other soft tissue injuries to appear days later.
When a claimant boasts comments at the scene, especially when it coincides with the related accident or pertains to his or her actions or physical condition, the details of that statement are admissible in court as testimony to the truth. These are known as “Res gestae” statements, and “Admissions against interest.”
Res gestae statements are considered substantial evidence in proving a fraudulent claim because the claimant made them at the time of the wreck. The courts’ reasoning is, when a distressing event happens, most people don’t have a chance to come up with falsehoods. If they say anything directly after an injury event, it's usually the truth. Claimant statements such as “I’m alright,” or “I’m not hurt,” or other related words, those comments fall into the category of res gestae.
Admissions against interest are statements at the time of the collision made by the other driver of the vehicle. Comments such as, “I’m sorry. I was going too fast,” or “I didn’t see you,” or any quantity of similar admissions of fault, those declarations are considered admissions against his or her interests, additionally these statements show his or her state of mind close to the time of the wreck.
It’s not uncommon for lawyers to use statements like these in court proceedings to prove or disprove claims for financial compensation established on a fault.
Eye Witness Testimonies
After consulting the other driver and his passengers, search for witnesses to the accident.
Find as many willing witnesses as you can, and be sure to copy their contact information after documenting their statements.
Witness statements can be priceless, and they become even more valuable when given by people unconnected to the accident scene (e.g. passerby, store owners, other drivers, etc.) These people have no advantages in their court by giving their statement.
For example, a pedestrian walking by at the time of the collision may have noticed, directly after the accident, the other driver was mobile and walking around with comfort. Later, if the driver implies his or her leg was wounded in the crash, the witness’s statement will help prove the driver is overstating his or her injuries, or even faking the injury altogether.
Pictures or photographs are solid pieces of evidence. Being able to observe what the cars looked like directly after the wreck and at the point of force provides a way to disprove claims of serious injury.
Since most people carry cellular devices, taking pictures with your cell phone of the driver, and their passengers is an easy way to capture admissible evidence of the accident scene. Pictures or videos of the driver and his passengers laughing, or speaking on their cell phones, can be key to providing exaggerated or fake injuries involving your claim.
Notify Your Insurance Company
As soon as feasible, inform your insurance company of the accident.
You have an obligation to do so regardless of fault. Tell the insurance representative you were involved in an automobile wreck.
Also pass on any information or details relating to the accident, such as you’re quite sure the other driver and their passengers were not injured, at least not seriously.
Tell the representative why you believe no one was hurt, and offer to provide any evidence you have supporting your position. Insurance companies condemn fraudulent claims. They will receive credible evidence from customers and independent sources.
Make Reference to the NCIB
The National Insurance Crime Bureau (NCIB) created a list of 23 “suspicious loss indicators,” these are objects within a claim or its circumstances that signify the application may be fake. The good part is a lot of people submitting false claims don’t realize this lists exists, and may lead to their failure.
Remember, the more evidence you can provide your insurance company, the better chance they’ll reject the claim. However, there is only so much you can do to protect yourself.
Once an individual brings forth a fraudulent claim, it’s ultimately up to your insurance company whether to deny or pay the claim. Even though some of us may wish, they could legally force their insurance company to deny the allegations.
All in all, despite your attempts your insurance company could decide to go ahead and settle. Some reasons insurance adjusters approve a claim may be due to insufficient evidence of fraud, or it’s simply cheaper for them to pay the claim.
Disappointingly, the result for you could be higher premiums or, in some cases a canceled policy.
The Brown Firm is a Georgia personal injury law firm specializing in protecting victims involved in accidents caused by the negligence of someone else.
Our Auto accident injury lawyers aggressively fight for their client's rights and are experienced in utilizing all available resources to gain the maximum compensation deserved.
We offer free consultations, click below to contact an experienced personal injury lawyer today.