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.