Comprehensive auto insurance fraud $ 200 – $ 300 per year for insurance premiums according to estimates by the National Insurance Crime Bureau (NICB). But it is an insignificant amount compared to its overall impact, as each company has to pay insurance.

If the fraud increases the price of insurance, the cost of more goods and services after the NICB. This means that not only the insurance and consumption, but the taxes and any other with a dollar sign before they are involved in insurance fraud.

Forms of fraud
Auto insurance fraud is often regarded as “serious” or “soft.” Hard fraud is the invention of a scene or event would be covered by insurance, including:

* Not not include accidents, intentional, as the rear-end collisions
* False claims of violations, including criminals on the lasting trauma in an accident
* “Jump-in” – the invention of the injured persons who are not in the vehicle at the time of the accident
* The statement, a car accident was a hit-and-run

A swindler increasingly strongly with the number of people who are on the top of their car loans is “the owner to give.” A licensee secretly left his car, perhaps by immersion in a lake or even the payment of a pyromaniac the torch, and it is reported stolen. If the insurer pays the policyholder, you can pay your car loan without your credit.

Accidents are the most dangerous phases for the fraud to the average driver, as the victim of an accident at the scene could be injured or killed. Even if the victim is not guilty, you can Premium or could be interrupted. You can also pay and get lost in an endless number of complaints and auto repair.

Soft fraud, also known as “building” is opportunistic, with the participation of owners, who also Pad a legitimate request. May:

* Add a claim before
* Hide a Body Shop and / or adjustment of rights for a repair estimate Pad
* Conspiracy with doctors for medical treatment is not

It is not only the insured, the insurance fraud car. Organized fraud ring have a great national problem, and also doctors and lawyers are dishonest auto mechanic, including providers of insurance.

Means to fight against
The property of the nation or accidents have special investigative units (sius) to fight against fraud, and numerous countries and has laws and regulations to fight against fraud. While all this sounds good, sophisticated systems of protection insurance (and customers), fraud can also be a toll system on the policyholder on the filing of a complaint.

“We do not want to go to hiring, that our policy is the owner,” said Peter Van Patten, Director of the Nationwide Insurance Claims SIU. “But if it’s a red flag, which – as the agency law enforcement, it is not legitimate, or is there reason to believe that it is not, we receive a legal notice … and if things we collect for a reference to the place of insurance fraud state. ”

As potentially fraudulent duration of the right to solve, because it is to study in Victoria Kilgore, director of research at the Insurance Research Council. When a complaint is under investigation, insurance or the police. In the meantime, the owner of the policy, which could be expensive in relation to compensation and medical bills, the insurer agrees to reimburse you or your doctor. If the policyholder tired of waiting or denials, “said Patten, a complaint or appeal. It is a heavy emotional and financial, if the burden unfair.

Ironically, insurance companies can be as vigilant as regards fraud are often the victims of victims. We have seen the stories of honest drivers whose vehicles are stolen, as charged by the police both the insurers and dumping their cars and a fraudulent claim. This all happened before, when the “undefeated” anti-theft transponder chips for the first time in the car keys. Insurance approved – wrongly – that any person who in fact stolen car, the right, but all had their key lie.

Costs for consumers
Fraud is the second most costly white collar crime in the United States after tax evasion. And the problem of auto insurance fraud is so widespread that almost a quarter of injuries due to traffic accidents and at least one tenth of the real estate / insurance rights accidents are fraudulent, according to studies for industry.

Charges are added. Insurance Research Council estimated that the payments, the automobile, the insurer, because of fraud amounting to over $ 6.8 million in 2007. But the involvement of each car fraud statistics dramatic push the issue because it concerns only the duties already paid, not the rights or file is deleted because of suspicion of fraud.

And none of these estimates, the “soft” and the costs which, in the laboratory of fraud, including in the field of economics, law enforcement, civil justice, local authorities and rescue services. While the auto insurance fraud seems to most people as an invisible crime, their real cost to the consumer is much more that we will never know.