Car accidents happen to the best of us.
They can be infuriating and stressful. Insurance fraud occurs when someone lies, cheats, or manipulates the rules to get compensation or benefits from an insurance company.
You can easily be caught up if you are not careful.
Here are some tips to protect yourself from insurance fraud following a car accident.
Top 5 Ways To Protect From Insurance Fraud
1. Don’t Admit Liability at the Scene
It is easy to get confused at an accident scene. An experienced car accident lawyer can help you by explaining what information you need to give or what you need to say. Avoid saying, “I’m sorry,” or “it’s all my fault.”
Do not sign any paperwork or forms at the scene of a car accident. When the police officers arrive, have your lawyer speak for you. They will answer all of the questions that are asked.
The police may take your statements and use them against you in court. Saying the wrong thing could cost you a lot of money in the future. Look out for yourself and protect your wallet by getting a lawyer on your side.
2. Document the Accident Scene
Document what happened before and after the accident. Take photos, collect evidence, and write witnesses’ names and contact information. The more evidence you have to back up your story, the better.
When capturing these photos and videos, start with the car involved in the accident. Invest in a dashboard camera for your vehicle.
This device can capture any events leading up to an accident and provide real-time recording of any conversations just before and after the crash.
3. Get Medical Attention Immediately
If you are injured, get medical attention as soon as possible. Ensure your injuries are properly documented by a physician who was not involved in the car accident.
Check the credentials of the doctor who makes your diagnosis. During this appointment, ensure that the physician asks questions about your body and gives you a complete exam.
They will write down all of your symptoms, check for any swelling or lumps, and make sure that you have no fractures.
Ensure the physician gives you a copy of the medical report before you leave. It will be included in your insurance claim.
4. Be Mentally Aware of the Environment
Watch what is happening around you. Do not let anyone push you around or make you feel uncomfortable.
Be conscious of your surroundings. If you have been in a severe car accident and notice any following vehicles or personnel, take note of their license plate number, the car model, or the color and style of the clothing the drivers are wearing.
Look out for people who may be pretending to help you or are threatening to call the police. Do not accept any offers or bribes. If someone offers you money or a ride, do not take them up. Focus on your safety and recovery.
5. Use a Tow Truck Service Approved by Your Insurer
Some tow truck operators have dealings with auto shops that handle the repair of damaged cars. If your insurer does not approve the tow truck service, the vehicle could go to a business known to pay kickbacks to drivers.
These businesses are notorious for giving poor quality repairs, price inflation, and up-selling unnecessary services. Consult with your insurance company before using a tow truck service.
Document when you called the service or when they arrived on-site. Keep your records and receipts for towing fees and labor charges not covered by your insurance policy.
Insurance fraud can happen without you even knowing it. Contact an attorney for assistance if you feel like you have been a victim or are experiencing symptoms.
Personal injury attorneys can help you or your loved ones avoid the pain and suffering associated with these crimes. Contact them today to get started.
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