Auto Insurance Ripoffs

When you pay your monthly car insurance premium, you may wonder why its so high, and whether you are being scammed. In fact, however, the culprits are usually the people with the insurance, and not the companies providing it. Want to know why? Here are some of the most common auto insurance ripoffs:

Sometimes people will use their insurance to get a new car when their old one is just about to give out. If the driver gets into an accident just as the engine hits 150,000 miles, for example, you have to wonder.

Other dishonest drivers stage a low speed accident, and then claim thousands in medical bills, sometimes going so far as to claim permanent disability.

Taking this a step further, the scammer may even bring a few friends along for the accident, and then claim that these passengers also suffered injuries. The friends settle for a goodly sum, and then give the primary culprit a percentage of their take.

What may seem like a relatively minor scam, but can actually run into serious money is the person who, wanting to make sure that parts are replaced and not just repaired, will intentionally cause additional damage after the accident.

Finally, it may not be the owner of the car but the repair shop who devises the scam. Some shops will drastically inflate the costs of repairs, reasoning that the money isn’t really coming out of anyone’s pocket.

Insurance companies that provide auto coverage have a few defenses against scams. One is the use of deductables. Since the insurance holder has to pay out of pocket the full amount of the deductable before the company has to pay anything, this theoretically reduces the incentive to use insurance. Second, making a claim against your insurance can result in a significant increase in premiums, and this increase can be applied for years. Again, this discourages frivolous and fraudulent use. Finally, fraud is a criminal offense, and offenders can be prosecuted. Those convicted may face jail time.

In the end, though, the people who are hurt most by fraud are the innocent people who do nothing wrong. They are the ones who have to make up for fraud losses in the form of higher premiums. Because every auto insurance quote has some amount factored in for fraud.

How To Find Expert Auto Insurance Help

Are you able to find expert auto insurance help? There is no need to be dismayed as you are not the only one who has that problem. It can be rather nerve racking to get auto insurance help as it is such a necessity. The great about it all though is that expert help is not hard to find as quite a number of insurance companies have elected to conduct business on the internet which makes accessing the right information much easier for you.

If you already have insurance with a particular company, it is advised that you contact that company with any queries or concerns that you may have. More often than not you will be able to find that particular company online and then be able to access their customer service center and get all the help that you need. As most insurance companies are now on the worldwide web it is not that hard to get expert auto insurance help quickly.

If you are a novice then you will have to take a couple more steps. You will have to first locate a suite that gives you access to a number of insurance companies that are in your area. It is not very difficult to locate such a site and all that you are required to do is to enter your zip code so that the relevant information can be produced. After receiving the desired information it is advised that you look at each one carefully before selecting any particular one. Also ensure that you get a quote before you proceed. If their website does not provide enough information call them or enlist the use of their virtual assistant (if they have one) to ensure that you get expert auto insurance help.

This type of help is readily available to everyone. All it takes is a little time and a few clicks of the mouse to get you headed in the right direction. The thing to bear in mind is that it will take a little time to find the company that will give you the expert auto insurance help that you need.