Ever since the introduction of car insurance into our society, there have been organized crime syndicates, or individuals committing insurance fraud. In this article we will outline a few crucial points that can protect you from this type of fraud.

A large portion of car insurance fraud is when someone will arrange for their car to be stolen deliberately so that they can claim the money back from insurance. This may be because they are wishing to replace the vehicle, or simply need the money.

The other more dangerous type of car insurance fraud is when a driver will cause an accident on purpose in order to receive money for a claim. In some cases, they may even inflict more damage on the vehicle after the accident in order to receive a higher sum of money. The more highly organized fraudsters may even have doctors and panel beaters involved in the scam. They may fake medical injuries to get more money from the claim.

Sometimes these fraudsters will brake suddenly in the road, to make you hit them from behind. They may even pretend that they stopped to prevent a larger accident. Sometimes these fraudsters will seem to be very friendly and innocent people!

It is very important that you take the necessary measures to prevent yourself from becoming a victim of one of these kinds of car insurance fraudsters. Sometimes they will trail you for a few days to pick up your driving pattern and your weaknesses. If you notice someone has been following you, you should be more careful. You must also ensure that you always maintain a safe following distance behind other drivers, to ensure you have time to make a proper stop if necessary.

If you are indeed involved in a motor vehicle accident, ensure that you obtain the correct details of all those involved. Keeping a disposable camera in your vehicle is advisable, so that you can take photos of the damages and ensure that none are inflicted on the other vehicle at a later stage.