Auto Insurance Fraud in Illinois – What you Need to Do?
Reader’s Question:
My car got rear-ended here in Illinois. I strongly think it was staged. I’m worried that this will go to my auto insurance record and raise my rates. What should I do?
Kenneth
Cicero, IL
Sadly, auto insurance fraud is quite becoming a prevalent practice in America. Scams have resulted in costly losses for auto insurance companies. And to compensate for this, auto insurers raise their policyholders’ premiums.
Since you have been involved in an accident you think was staged, it is very important to know all the details of the accident. Take note of the names, phone numbers and addresses of the individuals involved in the accident. Be mindful of giving out your information, though. You do not want to fall victim to identity theft, too. If you can find witnesses willing to talk to your auto insurance company, do so. This is a good safeguard since you suspect the whole thing to be staged. Although the other motorist’s insurance company in Illinois may well cover the medical and repairs cost, it is still good to have a witness back up your story. Talk to your agent about your suspicion, so he may call the other party’s auto insurance company to launch an investigation. If this is done and the other party is found to have staged the accident, then you can hope that the negative record on your auto insurance policy will be removed.
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