If you get hurt when another driver is trying to commit insurance fraud, it can be even harder to prove your personal injury case. That's because the other driver is trying to make the accident look like it's your fault. So what exactly can you do?
What Is Insurance Fraud?
Car accident insurance fraud is when a driver tries to cause an accident so that they can get paid by the insurance company. They will often exaggerate their injuries and claim pain and suffering to get a bigger settlement. They may even have a doctor who is in on the scam create inflated medical bills.
While you don't necessarily care about another driver trying to scam the insurance companies, you do care if you got hurt in the accident they caused to commit their fraud. In addition to being hurt, you now also have to try to disprove the other driver's fraud.
How Does a Fraudster Create an Accident?
The fraudster in an insurance scam will try to make the accident look like it was your fault. They might suddenly pull in front of you and slam on their breaks so you rear-end them. They could also wave you out of a driveway or through a stop sign and then hit you instead of actually letting you go.
Why Is This Bad for You?
The problem with being a victim of an insurance fraud attempt is that the driver who caused the accident pays for the accident. If an accident is your fault, your insurance may or may not cover all of your hospital bills. You also may not have insurance coverage for your lost wages.
When the other driver is found responsible for the accident, you can receive more money. That includes your lost wages and other expenses not covered by insurance.
How Do You Prove the Accident Was a Fraud Attempt?
It's difficult to prove an accident was a fraud attempt because fault is often determined by where the cars got hit. That's what the scammer is relying on.
Many drivers choose to use a dashcam to collect evidence in case of this type of accident. It's also especially important to try to flag down witnesses or see if a nearby business has cameras pointed towards the scene of the accident.
To learn more about what to do if you got hurt by another driver trying to commit insurance fraud, contact a local personal injury attorney today.