Unless you are a victim of a car insurance fraud, you will not be able to fathom what goes on when an individual is made to pay for an accident where he is not at fault. Insurance fraud is an age old issue that has harmed many innocent consumers. Car insurance fraud can make you shell out cash that you are not entitled to pay.

Given below are few instances of car insurance fraud that can affect you too.

• Panic Stop

Panic stop is an instance of car insurance fraud when the victim is framed by a scammer. This happens when a scammer pulls up in front of your car. There are many passengers inside the car that watch you from a distance. They keep an eye on you to see whether you are getting distracted and the moment you are talking over the phone or it appears that your eyes are not on the road, the car in front applies it’s brakes so that it results in a rear-end collision.

• Swoop and Squat

In this kind of auto insurance fraud usually 2 vehicles are involved. The first car is referred to as the squat vehicle and the second car is known as the swoop vehicle. The squat vehicle is in front of your car. And the swoop car comes in later. The swoop car drives in front of the squat vehicle and applies its brakes. The squat car applies its brakes all of a sudden and the victim’s car rams into it not getting enough time to apply brakes.

• Side Swap

This type of car insurance fraud may take place at busy intersections of a road. A victim’s car is swiped from the side if he gets distracted for a while.

Whether it is side swoop, panic stop or swoop and squat, the victim is made to pay for the damages caused although he was not at fault. So, you won’t know when you will be framed by scammers. It is best to remain alert while driving. In case you have a history of accidents in your driving record, you will be required to pay higher premium. There are many other factors that can make your auto insurance premium skyrocket but this is one of the factors that can be kept within reach and controlled. Have less number of speeding tickets to your credit.

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