If you go on the internet you will find that auto insurance fraud can be considered a major crime on the rise. What exactly is auto insurance fraud? It is when an auto insurance claim is filed on an accident that may not have occurred and an insurance check is cut or disbursed to the supposed victim or client. In fact, there are times that you may read stories of a person throwing themselves in front of a slow moving vehicle and the car hits them. An insurance claim is the filed against the driver for all kinds of medical bills and then to the victim is compensated for pain and suffering.
People should have a clause in their insurance policy to cover injury to other people so if a person is injured then you most likely do not have to worry about them coming after you personally with a civil suit. It is unfortunate to feel that you have to cover yourself in this way with auto insurance but with the economy the way it is and not getting any better quickly, fraud is on the rise and you do not want to be in the middle of an auto insurance fraud case.
There are statistics that show certain types of accidents that are used in fraud cases that are typically hard to prove that they are not the victims fault. A few of them would be the "T-bone" where a car waits for a another car to cross in front and there are no witnesses so they ram the car claiming the other car ran a red light. There is the "Side Swipe" where a car will intentionally wait for another driver to drift into their lane then they speed up hitting the car stating it was the victim's since he traveled into their lane and hit them. A third example is the "Swoop and Squat" where the driver in front has pre-planned maneuvers to cause a rear end collision by the victim.
Some of the accidents described above are caused by organized auto accident rings and they are very familiar and good at what they do. This is just something to be aware of out on the road. Do not put yourself in a compromising position when you are driving.