| The hard times many of us had to face with the | | | | price of course. Needless to say that there are |
| recession have made some people think of | | | | medical experts in investigation units, who clearly |
| “special” ways for getting some extra | | | | now how much medical attention does the person |
| money. And when every dollar counts, any | | | | need in every particular situation. Besides, |
| measure will do. Insurance companies report | | | | insurance companies keep track of the doctors |
| records in claims these days, typically for small | | | | and attorneys who encourage more medical bills |
| amounts, and there's a growing number of frauds | | | | to be paid by the carrier. 4. Filing a claim for an |
| the carriers have to deal with. Having | | | | accident that didn't happen. If there's no damage |
| overwhelming numbers of claims may seem like | | | | to your car, but you claim to have been hit, |
| the perfect way to get a fraud unnoticed, but | | | | insurance company investigators will analyze all the |
| fortunately for insurance companies it is not so. | | | | data and clearly see if you are telling the truth or |
| Every insurance company has its own special | | | | not. And you'd better be telling the truth, |
| investigation unit, which is usually comprised of | | | | otherwise expect to get sued anytime soon. 5. |
| people who have experience working in law | | | | Add some people to the car, claiming they were |
| enforcement domain. And as you've guessed it, | | | | there during the accident. Remember that |
| this unit is dealing with cases when fraud is | | | | accident reports and accounts are analyzed |
| suspected. Taking into account that fraud is illegal, | | | | thoroughly and if the information differs, |
| these guys are just as serious as police | | | | investigators will get very suspicious. It's not only |
| detectives and FBA agents – when there's a | | | | your report that is read when the claim get filed, |
| crime, they are bloodthirsty for finding out the | | | | the police report, witness report and the other |
| truth. And that's what they typically see people | | | | party's report are also taken into account. 6. File |
| trying to get away with: 1. Leaving the car | | | | old damage as a new one and get paid for it. |
| unlocked and the keys in place. Missing a set of | | | | Your car insurance will pay for that old dent you |
| keys when your “car” gets stolen and | | | | always wanted to repair. Well, not so fast, |
| having no signs of forced entry when it is found | | | | because thorough analysis will allow the |
| will make the investigation unit suspect that | | | | investigators to state whether it's a new damage |
| you've just decided to get rid of your car and get | | | | or not. 7. Ask your repair shop to add the |
| money for it. 2. Blame vandals for setting your | | | | deductible to the final bill. Having your car |
| auto on fire after spilling some gasoline | | | | insurance pay for the damage to your car also |
| somewhere near the engine. You may think that | | | | means that you will have to pay a deductible first. |
| the fire will destroy all the evidence. Well, there | | | | Some people may think, that it's better to |
| are things like computer simulations, pattern | | | | negotiate with the repair shop and see if they can |
| analysis and other ways to investigate such cases | | | | bill you with a higher price so that you won't have |
| that will get you red-handed. 3. Visit your doctor | | | | to pay upfront first. However, insurance |
| after the accident too often. Some doctors will be | | | | investigators will know if the service is too costly, |
| quite nice to you and provide medical attention | | | | or it takes too much time to repair your car after |
| even when it's not needed anymore, for a special | | | | the accident. |