A recent report from Crime Bureau (NICB) security indicates that one of the major factors driving (not intended) behind the increase in auto insurance rates is auto theft.
, However, there is a twist: in many cases, these car theft arestaged by the owner themselves. Although relations NICB, a general decline in theft of car (more than 17% last year), a form of insurance fraud which is defined as owner give-ups has been increasing.
What is that?
NICB, according to the report the owner dispense ploy is something that happens when the owner of a vehicle (one with automatic full insurance cover ) literally describes the disappearance or destruction, even if their vehicle. the car in question "vanishes," after the owner of the file a complaint. latest lie the remains of the vehicle in a river or Lake, or other remote area.
The abandon of owner is just a variation of the scam that is causing some sticker shock for honest people, when they go to theft-scene buy car insurance.
Other fraudulent schemes
When the owner of a vehicle has a vehicle need serious and costly repairs, he can attempt to what is known as the "special 30 days". Basically, the author points out the vehicle stolen and file a demand on its car insurance.What happened is that the owner has stashed the vehicle in a storage unit or a garage somewhere, or even buried.Meanwhile, the insurer has 30 days to pay demand.
Do you know what happens after the author collects his settlement and cashing the check.
Fraud export is yet another scheme in which the owner works with a criminal organization.The author takes a bank loan for the vehicle, then goes to buy car insurance to buy it.He then sells to its contact local crime organization, which loads the vehicle on a Cargo for shipment abroad. afterwards, he files a claim with its insurers for the "theft" – cashing in on the control of insurance is its cut by Tony or Ivan.
The regime more creative, however, is the vehicle that doesn't exist yet. the offender forge registration documents for vehicles, a "ghost car" – usually, classic collector car or luxury vehicle – then "stolen" and reported to the local authorities before credit is stored with the insurer.
You have a dog in the fight
Remember that the fight against fraud costs all; insurers not swallow these losses, but pass to you, the motorist honest. The NICB encourages anyone who suspects a fraud case to contact their hotline at 1-800-835-6422. you won't have to provide your name, and in some cases will offer a reward.
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