There are numerous accounts of insurance fraud, but usually the insurance company suffers.  Recently there have been some incidents of individuals committing insurance fraud and both the other driver and the insurance company have to pay for it.  Please watch out for drivers that may not have the best of intentions.

Let’s preface this example with a rule of the road: if you have the right of way on the road, follow that rule, do not let others go in front of you. Rule also is true for the opposite, don’t go if someone who has the right of way is letting you go. Some drivers who have the right of way have been letting others go in front of them, only to hit them on purpose. This allows them to total their car and have the other driver at fault.  With this type of insurance fraud both the driver has to pay for having an at fault accident on their driving record and therefore, increasing their auto premium and the insurance company has to pay out on this loss that was done on purpose.  Everyone loses.

Following the rules of the road will help prevent this type of insurance fraud.  Be smart, know the rules and know that not everyone has the same good intentions you do while driving.  Stay smart and stay safe!