In our busy world, we use every free minute to multi-task. If you’re like me, the car seems to be the only place I have some quiet all to myself. Driving down the road, thinking about work or home, my mind trails off and I start driving on auto pilot. Have you ever arrived at your destination and wondered how you got there? I know I have! Distracted driving is not only about cell phone users. Paying attention to what is happening around you is extremely important, especially when attempting to avoid auto insurance fraud. Some of the perpetrators do this for a living, taking advantage of other people’s auto insurance.
Auto Swindles Are On The Rise
I hate to say it, but not everyone is honest. I know, it’s a shock to the system to hear that some people lie. The most popular ways people auto swindle are repair scams, airbag scams, windshield scams, towing scams and staged accidents. We want you to be aware of staged accidents when you drive so you know how to avoid these scams.
Avoiding Staged Auto Accidents
To avoid becoming a victim of a staged accident, avoid tailgating. Seems like common sense, but in the heat of the moment, when you are trying to get home and the car in front of you is going 10 – 15 mph under the speed limit, we are not always thinking in the most peaceful mindset. When you follow the rules of the road, it makes it a lot harder for the person trying to swindle you to succeed.
If you do get in an auto accident, call the police to the scene immediately. Do not try to handle the matter yourself, the authorities are here to help protect you. While waiting for them to arrive, use your cell phone – you know the one you were not just texting on – to take a lot of photos of both vehicles, the scene, the person. This helps with the exaggerated facts in the future.
When you are at the scene, take notice of the people around you. Did anyone just show up out of the blue? Not to make you paranoid, but sometimes people called ‘runners’ will show up at the scene, and are working with the person you hit. Another example of “runners” are tow trucks who show up without being called, or accident attorneys who just happen to have witnessed the accident.
Allow Your Insurance Agent to Help
Of course, we hope to avoid auto accidents, but that is just what they are – accidents. Whether they are staged or not, you did not go out and purposefully ram another driver. Always be aware of your surroundings and the rules of the road. Make sure you have phone battery, so you can take photos of vehicles and the scene of the accident. Always call the authorities to the scene. But, when you need help with the claim, call your insurance agent. At The Arizona Group we have a claims team to help you turn in your auto insurance claim, and walk you through the process. We want you to feel empowered to understand and manage your risks.