Deliberately causing traffic accidents for money


#1

Some guys here just roam on the streets in their all cars all day and when they see other drivers have violated the traffic law. they just bump their cars against the violator’s. as the law states who breaks the law first are responsible, so those bump car drivers can make quite a fortune in this way.

the purpose of traffic law is to avoid accidents not create accidents, so I think bump car drivers should be punished more. your ideas?


#2

do you have actual evidence of this, backed up by police files or court cases, or are you handing on rumors and hearsay?


#3

I’ve heard of one technique called “swoop and squat” where people will pull right in front of you and then slam on their brakes. Since in a rear-end collision the driver in back is always at fault, the swoopers can collect insurance money. In addition I have heard of them faking neck and back injuries to collect medical settlements as well.


#4

[quote=puzzleannie]do you have actual evidence of this, backed up by police files or court cases, or are you handing on rumors and hearsay?
[/quote]

read them on newspaper which claims court cases as evidence


#5

[quote=abcdefg]Some guys here just roam on the streets in their all cars all day and when they see other drivers have violated the traffic law. they just bump their cars against the violator’s. as the law states who breaks the law first are responsible, so those bump car drivers can make quite a fortune in this way.

the purpose of traffic law is to avoid accidents not create accidents, so I think bump car drivers should be punished more. your ideas?
[/quote]

I actually work at an Insurance agency. It is a well known insurance and unfortunately there is insurance fraud everywhere. Guess who suffers because of this? We do. That is why our rates are going up and up. I have seen three rate increases because of this in the last year.

But, how do you prove it is fraud? I have suspected a few people who is insured through our company and have even reported them. Sometimes you can warn someone, but it is really hard to prove that someone is commiting fraud.

You pay insurance to protect yourself. That is what it is there for. In order for you to actually prove someone is committing fraud, you have to have hard evidence. Unfortunately, that is very hard to prove.


#6

I also work for an insurance company, not as an agent but as a claims investigator, so my job is to investigate potentially fraudulent claims.

Wheras I don’t handle accident losses anymore (I do fire and theft related claims), I have extensive experience and training in recognizing “red flags.” Some fraud is very obvious, and those perpetrators are the ones we catch…it’s the clever ones that get away.

Depending upon where you live, the laws may vary. In Minnesota, it’s not a matter of who broke the law first…in fact, our liability laws are “comparative negligence”, meaning all drivers can share in the responsibility for the accident. There are cases of 100% liability, but usually there is some shared negligence.

If someone is going around deliberately bumping into vehicles, and you witness this intentional act, immediately report it to the police. If you live in the United States, report it to the National Insurance Crime Bureau, especially if you have specific information regarding the perpetrators.

Interesting phenomena surrounds insurance fraud; people who would never consider shoplifting, or driving away without paying for gas have no problem claiming damages not related to an accident they were in. This is theft, pure and simple.

People whose vehicles were stolen and recovered will often claim every single ding on their vehicle as related to the theft…even if it’s something obvioulsy old and worn, or a problem from wear and tear. I’ve had people claim that the engine light was on when he got his car back, but a shop informed us that he had set an appointment with them to repair the engine light problem prior to the theft ever occurring!

Fraud takes many forms, and seriously, if you actually know of incidents occurring, do not hesitate to report to the police, the NICB, or if you know it, the Insurance companies handling the claims.


#7

[quote=Dr. Colossus]I’ve heard of one technique called “swoop and squat” where people will pull right in front of you and then slam on their brakes. Since in a rear-end collision the driver in back is always at fault, the swoopers can collect insurance money. In addition I have heard of them faking neck and back injuries to collect medical settlements as well.
[/quote]

almost caught up by such tactic once. stopped just 2mm behind the car in front.


#8

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