Make Sure You’re Not Victimized In Florida By Car Insurance Scams

Whether you live in Venice or Palmetto, there’s always the possibility that while you’re on the road, you may get into a traffic accident. Fortunately, that’s what insurance is for, but that’s where things also get complicated in the state of Florida. Florida is a “no-fault” state, which in this case means that $10000 is automatically paid regardless of who is at fault when a car accident occurs.

However, scammers and fraudsters try to game the system and cheat drivers and insurance companies out of that insurance payout. Insurance fraud can cost up to a billion dollars in fake claims, and in Florida, people have to be especially careful of these scam attempts to create an accident. Here are some of the ways that unscrupulous people on the road try to trap Florida drivers into scam accidents.

Panic Stops


This is, unfortunately, a relatively easy accident to stage for patient people. Scammers cruise the road, keeping an eye out for distracted drivers. For example, if someone is looking at their phone and it appears they will be consulting their phone for quite some time, the scammer will deliberately move their car in front, and then suddenly stop when the driver isn’t paying attention, and then claim that they were at fault for distracted driving.

Drivers in this situation, especially if they know they had their phone out at the time, will tend not to challenge this assertion and go along with the insurance payout process.

Exaggerating Claims


Perhaps one of the most common scams, and to some, it isn’t even considered a problematic act. In some cases, drivers will exaggerate the damage to a vehicle to secure more money than is necessary to conduct repairs. In Florida, this scam has even been organized at the business level.

Some car windshield replacement contractors, for example, have been known to file higher claims for windshield damage than has occurred. This often happens without the knowledge of the accident victim, who the repair facility tells that the cost to fix the windshield is only a few hundred dollars, which is the truth, while the claim the repair facility filed with insurance is that the windshield damage will cost thousands of dollars to repair.

Insurance Agent Fraud


In some cases, the fraud for insurance comes not from other drivers or scam repair facilities but from the person you’re supposed to trust, the insurance agent. Under normal circumstances, people will work with insurance agents who are licensed and have a track record of ethical business practice, but some insurance agents will abuse this trust or may not even have much in the way of credentials, but they can easily earn people’s trust with charisma.

One of the worst scams such people can achieve is fooling someone into having insurance they don’t have. People pay their premiums, but the scammer is collecting the payments, not the insurance company. When an accident occurs, the victims find they have no insurance at all.

However, a more common, less dangerous tactic is “sliding,” which means sneaking in some additional policy conditions that the user is unaware of and “skimming off the top” of those monthly payments from those extra conditions. In this case, the insurance is legitimate, but the additional costs are unnecessary and go to the scammer agent instead.

Towing Scams


A final scam is the tow truck scam, where a towing service arrives at the scene of an accident and makes off with the vehicles. Some drivers assume that someone else called the towing service, or perhaps even their insurance company did. However, these are “bandit towers,” and they’ll hold a vehicle “hostage” until additional costs are paid to release them.

If you’ve been injured in a car accident and you’re not at fault, talk to a car accident attorney. Make sure you get professional legal advice to get what you’re owed.

Video FAQ:

What You Need To Know About Dealing With The Insurance Adjuster After A Crash


 

Client Testimonials

Attorney David Goldman has been exceptional in the process of helping me through the case. He has always been easy to reach, whether by phone or email, and has thorough knowledge and explains clearly in depth so you feel safe and confident in your lawyer

I used Michael Babboni and his paralegal, Nicole Moore for a legal matter. They went above and beyond my expectations. During the entire process there was constant communication with both Michael and Nicole. They were extremely organized and on top of my case, which I am very grateful for. Michael truly had my best interests at heart and he was very genuine. I plan on referring Michael to all family and friends and will continue to use him in the future.

I dealt most with Mr. Fernandez. I didn’t know a lot about this process. He took the time to speak with me individually, in person, to explain everything. It was very helpful to actually know and understand the process and what to expect. He closed my case quickly, which was nice that it was not prolonged! I appreciated his hard work and getting me what I felt I deserved after my car accident. I highly recommend him to anyone who needs an honest and reliable lawyer to assist you with your case!

I hired Mr. Walsh after an automobile accident this past March. He and his entire staff were extremely professional. They kept me informed every step of the way and settled my case in a timely manner. Thank you so much for your help.

 

Law Offices Near You

Sarasota Office

Sarasota

941-954-1234

2822 University Parkway Sarasota Florida 34243

Bradenton Office

Bradenton

941-752-7000

1215 Manatee Ave West Bradenton Florida 34205

St. Petersburg Office

St. Petersburg

727-381-9200

6446 Central Avenue St. Petersburg Florida 33707

Lakewood Ranch Office

Sarasota

941-330-0088

9040 Town Center Pkwy, Lakewood Ranch Florida 34202

Venice Office

Venice

941-496-9555

3986 S. Tamiami Trail Venice Florida 34293

Englewood Office

Englewood

941-474-4800

2960 S. McCall Rd Englewood Florida 34224

Punta Gorda Office

Punta Gorda

941-613-1141

122 Nesbit St, Suite 113, Punta Gorda Florida 33950

Port Charlotte Office

Port Charlotte

941-613-1141

3986 Tamiami Trail Port Charlotte Florida 33952

Arcadia Office

Arcadia

863-494-0122

10 South DeSoto Avenue Arcadia Florida 34266

Fort Myers Office

Fort Myers

239-332-0770

8359 Beacon Blvd Fort Myers Florida 33907

Lakeland Office

Lakeland

863-683-5600

5137 S. Lakeland Dr. Lakeland Florida 33813
 

Get personal attention from a lawyer with decades of experience.


 
×