How FL Drivers Can Help To Deter Car Insurance Fraud

It is important for drivers to be able to help to prevent car insurance fraud if they can. Florida is a state that criminals have hit hard. Car insurance companies who write policies in the state have paid out billions of dollars in fraudulent claims.
 
In the state, every driver is required to maintain minimum coverage at all times. This means that each driver must buy minimum liability insurance and PIP or personal injury protection coverage. Personal injury protection is where many criminals make money off of fraudulent car insurance claims. They will stage a car accident so that they can begin to file insurance claims.
The driver who is determined to be at fault can file an insurance claim with their own insurance company and get benefits based on their policy amounts. Many criminals exploit this for their own advantage. They cause accidents to occur and then the other driver is determined to be at fault so that the criminal can file an insurance claim with the driver’s car insurance company.
Florida residents need to be able to protect themselves from such things. It is crucial for all drivers to be as aware of their surroundings as possible. Many people are involved in staged car accidents at traffic lights.
What happens is that a criminal will see a car travelling at a slow rate of speed because they are approaching a red or yellow traffic light. They might swerve or tailgate the driver so that the driver quickly puts on the brakes to prevent a car accident from occurring. Then, the criminal will suddenly hit the car and say that the other driver caused the accident to occur in the first place.
This not only is illegal but it also will hurt the innocent driver’s driving record. Staged accidents do go on a victim’s driving record which will in turn increase their auto insurance rates because they have been deemed at fault for an accident.
Many criminals are convincing and will even give false statements to the police and act angry that they were “hit” by someone. It is crucial to protect yourself. If you see someone on the road who is acting in a suspicious manner, then take down their license plate information and then drive in the opposite direction from them. This is the safest thing to do because criminals who are involved in this type of behavior can turn violent.