op 10 Most Common Insurance Scams By Individuals
Author: Elizabeth Murphy

Insurance scams by individuals against insurance companies are
becoming common practice just as it is common practice for them
getting caught in their illegal endeavors. Since there are many
types of insurance in both the United States and Canada, there
are many different types of insurance scams that exist from
Worker's Comp scams to car insurance scams. In the end, these
scams cost the individuals who are playing fair more in
insurance than what they should have to pay. Below you will find
the top 10 most common insurance scams by individuals.

Car Insurance (scams 1-6)

Car insurance accident scams may just be the most common of
them all and there are actually more of them. These scams
include:

•The paper accident – The criminal solicits an auto repair or
salvage company to participate in an accident that only exists
on paper

•Fictitious hit and run – The hit and run never happened

•The Swoop and Swat technique – When the criminal swoops in
front of another car and stops while an accomplice pulls to the
side of the target car, keeping it from swerving out of the way.


•The almighty sideswipe – This one occurs at turn lanes and
intersections. The criminal takes multiple left turns to
eventually end up in the targets lane.

•The friendly wave –The criminal waves at the victim to let
them in front of them in heavy traffic and then quickly
accelerates to have a collision.

Another but more subtle scam that is perpetrated by individuals
is the "primary driver" scam. There are times in which an
individual in a household may be cheaper on the insurance of a
particular car. So instead of the actual primary driver being
listed as the primary driver, the one who will be easier on the
wallet is listed as the primary driver.

Life Insurance (scams 7 and 8)

This may seem like something from a lifetime movie, but
unfortunately it does happen in real life. A spouse takes out a
life insurance policy on the other and then they put antifreeze
in their coffee to poison them or something so that they can
collect on the life insurance money. Fortunately, the
perpetrator gets caught most of the time, but it still doesn't
keep those who feel that, "I'll never get caught" from trying.

Lying on life insurance applications is a scam in itself.
Individuals are required to fill out certain pieces of
information on the insurance application that can influence the
price of it, which can actually hurt the perpetrator more than
help them. Sure, it helps their pocket, but if it is found that
the application was falsified in any way, coverage may not be
awarded to beneficiaries.

Worker's Compensation (scam 9)

Worker's Compensation is meant to help someone who has been
injured on the job. Sometimes someone drawing Worker's
Compensation may lie to their doctor or get the doctor in on it
with them so that they may draw benefits longer without having
to go back to work. Unfortunately, this practice is all too
common and costs lots of money.

Health insurance (scam 10)

Health insurance tends to not be as common a target as those
previously mentioned, but it is certainly not out of the
question. One scam is the offering of phony health insurance. An
individual or group of individuals will call unsuspecting people
to offer them health coverage to only receive nothing. The next
thing they know they are calling the actual insurance company
and there is no record of coverage.

So these are some of the most common scams perpetrated against
the different branches of insurance. Some get away with the most
subtle of offenses, but the more severe the crime the more
likely they are to do time for it. That's why it is better to be
honest than not even chance trying to illegally obtain money
through insurance scams.


About The Author: Be upfront and legal with all of your
business practices, including your http://www.belairdirect.com
home and auto insurance . It'll give you peace of mind, and
prevent the possibility of you having to pay a fine or even go
to jail.