How to Avoid Fraud When You’ve Been Involved in a Fender Bender

Sometimes it can be hard to know who to trust after an auto accident. While most people like to give the other driver the benefit of the doubt, there are many instances where fraudsters target and cause accidents just to make money on settlements. In other cases, a random accident can happen, and the other party simply decides to make the damage greater to get a better payment.

Either way, there are things you can do to help protect yourself. Here are a few tips.

Always Exchange Information and Take Photos

Perhaps the easiest way to help avoid being a target of fraud when you’ve been involved in a fender bender is by always exchanging information—even if the incident is minor.  Get as much information as you can before either of you drive off, including taking a few photos of damage or lack of damage with a cell phone camera.

The reason this is so important is that it allows you to document that you were on the scene, made an attempt at discussing the situation with the other driver, and can prove what the condition of all involved vehicles immediately after an accident. If a third-party opts to make an insurance claim or sue for damages later, you have this information on hand.

Document Your Side of the Situation Immediately

It is also important to document your side of the situation as quickly after the incident as you are able. The truth never changes, and if you have a firm accounting of what happened, it can be much easier to prove that the other driver is either trying to overinflate the damage or simply claim things that didn’t happen. If a police report is taken by an office on a scene, you will also want to try to get a copy for your records.

Refrain from Saying You Were Responsible

Another way to help protect yourself against insurance fraud after an accident is by not mean you were responsible. It can be tough in the aftermath of a crash to keep from apologizing or taking the blame if you even think you were the least bit at fault. In many instances, this can lead to the other party overinflating damage and injury claims for a higher settlement amount, just because you took responsibility at the scene of the crash.

Please contact XL Brokerage Inc. for more information about auto insurance or to receive a no-obligation rate quote.

XL Brokerage Advises Your Recycling Campaign

With over 19,851 people living in Selden, NY the area is apt to get crowded and wherever there is a crowd there is refuse.  Being a responsible citizen and recycling may be a bonus idea for keeping your community tidy and clean.  Recycling also cuts down on the amount of pollution.  Not only does XL Brokerage Inc. provide for your insurance needs they also advise you on the best ways to recycle.

The best way to begin a successful recycling campaign is to start with containers.  Whether you purchase garbage cans or jumbo size plastic containers you will need to organize your recycling by having somewhere to place the good you want to recycle.  The size should be determined by how long and how much recyclable items you intend to hold until you carry them for distribution.

Now for your recycling. Sort out any old clothing and shoes.  You don’t necessarily have to ‘recycle’ these, you can donate them to charity.  Any thrift shop will do.  Old appliances you plan to ‘get repaired’ should go as well.  Nothing makes a house more cluttered than appliances that need to be discarded.  You will probably never get to a repair man, so just do yourself the favor and throw them away.

Beauty aid containers and implements (aerosol cans, plastic clips, etc.)  plastic containers, soda cans cardboard boxes, and any other containers should be sorted out in groups; plastic, metal, other.  Place these in containers labeled with the names of the groups on each one and keep them in your garage or any other storage area until you take them to the recycling company.  If you have a recycling pick up service, make the worker’s job easy by neatly packaging the items to they are easy to haul.