Fraudulent auto insurance claims most commonly occur when a driver in an accident attempts to get more payback than they are owned. These types of claims drive up insurance rates and leave innocent drivers paying high premiums. Because most drivers are too shocked and scared to think about auto insurance fraud in the case of an accident, American Tri-Star, a trusted car insurance agency in San Diego, wanted to share what drivers should to do ensure they do not fall victim to a false claim.
1. Call the Police
After the accident, call the police to obtain a police report, which will act as an impartial eyewitness account of the incident. The story is documented and can be presented to insurance agencies as an accurate, honest description of what happened. Be sure to get a copy of the police report for your records, in case it’s necessary at a later date.
2. Take Photos of the Accident
Depending where the accident occurred, it may not be possible to take photos of the exact scene of the accident. However, it is important to take photos of the area where the accident occurred, as well as any important signage or stoplights that may have contributed to the accident. Also, take pictures of the damage done to each vehicle. This type of evidence will help to support your story.
3. Take Notes
It’s always wise to have a pen and paper in the car for backup. Take notes about what happened, even if pictures are snapped. Write down everything in as much detail as possible, as soon as possible, when the accident is fresh in your mind. This information will be useful to the police officer when he or she arrives on-site and to the insurance agency.
4. Exchange Information
Make sure to get the name, phone number, driver’s license, license plate number and insurance card of the other person involved in the accident. If possible, take photos of items such as the driver’s license, license plate number and insurance card to ensure accuracy of information.
Many auto insurance experts also suggest installing a dash camera in the car, which can help provide an accurate depiction of the accident, and what the driver saw. Some dash cams also provide valuable information such as the speed of the driver, the location and position of the car, the direction the car was driving (GPS information) and if the driver was wearing a seatbelt.
If you have been in an accident or have previously been the victim of auto insurance fraud and are looking for cheap auto insurance in San Diego, CA, call 619-325-0326 and get a free, instant quote. We’re proud to serve the local San Diego community with some of the lowest prices in the county!