Insurance Fraud totals over $15 billion each year, which is an average of $500 a year per resident of California. This results in higher premiums, higher taxes, and higher prices. Insurance fraud is the second most costly crime in the country. The impact of insurance fraud has a direct effect on a communities’ residents.
Yes. If you are a business owner who employs workers who are part-time, whether your staff is mostly full-time, part-time or a combination of both, you must carry workers’ compensation insurance. Even if you have only one part-time worker, most employers are required to carry workers’ compensation insurance.
No. Most employers are required to carry workers’ compensation insurance (with few exceptions), and if you are injured on the job you have the right to make a claim. Start by contacting your employer and asking to begin the process. If your employer refuses to allow you to make a claim you may contact the California Department of Insurance at (916) 854-5760 or The Sonoma County District Attorney’s Office Hotline at (707) 565-2558.
Perpetrators range from first time opportunists to organized criminal rings and can be auto repair professionals who charge for services/parts not rendered, or ordinary people who want to cover their deductible, pay less in premiums, or view filing a claim as an opportunity to make a little money.
Staged crashes are also sometimes known as set-ups because the crash is set up by one or more perpetrators to collect on a claim against your insurance policy. Some common stages crashes are:
Swoop & squat. A vehicle swoops in front and jams on its brakes. You hit the rear. Passengers claim painful injuries. Your auto policy is falsely billed thousands.
Drive-down. You’re merging or turning. A dishonest driver waves you forward, then deliberately crashes into your vehicle blaming you. Drivers also wave you out of a parking space, then dart into your path.
Shady helpers.A stranger approaches the crash scene, or phones you right after. They try to steer you to a medical clinic, body shop or lawyer. You may be being set up for bogus insurance claims.
Automobile Insurance fraud has a direct effect on innocent, law-abiding citizens. Fraud perpetrators have staged automobile collisions resulting in serious injuries and even loss of life. Perpetrators looking to stage collisions will often pick members of the community who may not be aware of their rights or local laws and less likely to report the fraud.
If safe to do so, after a crash take photos of damage to vehicles, the driver and any passengers. In some jurisdictions, law enforcement may not report to the scene of minor accidents if there are no injuries, so it’s important to document the scene.
Be accurate and honest when speaking to any member of law enforcement or an insurance company representative about the details of the accident. If the other driver asks you to lie about when the accident occurred or any other aspect of the incident, DON’T DO IT. The other driver might be attempting to commit insurance fraud, and if you go along with it, you could also be vulnerable to arrest and prosecution.
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