‘Swoop and squat’ - It’s no accident
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These staged accidents cost the insurance industry billions of dollars each year.
How it happens
In this staged scenario, you’re stuck in heavy traffic on a busy highway when another car cuts off the driver in front of you forcing him to slam on the brakes. You try to stop, but there’s no time and you rear-end the vehicle. There you have it — the perfectly executed swoop and squat. The first car “swoops” in while the second car “squats” in front of you. After the “accident” everyone in the car you rear-ended files bogus injury claims with your insurance company — complaining of injuries that may be difficult to diagnose such as whiplash. The well organized stagers even have physical therapists, chiropractors, lawyers and auto repair technicians working together to further exaggerate their claims.
Similar scams to look out for:
- Drive down — You’re trying to merge into traffic when a dishonest driver slows down and waves you forward. You proceed and then he crashes into your vehicle but, of course, denies he waved you into traffic. Guess who could be at fault for the accident? You.
- The sideswipe — As you round a corner at a busy intersection with multiple turn lanes, you drift slightly into the lane next to you. The car in that lane steps on the gas and sideswipes you. Guess who could be at fault for the accident? You.
- The T-bone — You’re crossing an intersection when a car coming from a side street accelerates and hits your car. When the police arrive, the driver and several planted “witnesses” claim that you ran a red light or stop sign. Guess who could be at fault for the accident? You.
- Call the police immediately.
- Report the accident to your insurance company. Don’t settle on site with cash.
- Photograph the car and passengers and exchange information.
- Remember, if you have a Farmers auto policy you can always call HelpPoint® Claim Services by Farmers at (800) 435-7764 for assistance when you need it most.
end of article
Other Auto Insurance or Fraud related blogs:
Distracted Driving: A Simple Kiss While Driving?
Insuring Old Cars vs. Classic Cars
Auto safety: Critters in the Road
Understanding Auto Insurance: Mom, the Chauffeur
Comp Coverage for Older Cars
Adding Umbrella Coverage to improve your Auto Insurance
Zero Tolerance for Cell Phone Use
Driving Safety: National Tire Safety Week
Caliber Collision: What to Expect in a Claim
The CHP's "Every 15 Minutes Program"
Senior Phone Scams: "Help, I'm in Jail!"
Identity Theft and Children
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* The content of this blog is for informative purposes only. It does not reflect official standing of any agent, agency, or company mentioned on the blog. Nor is this blog necessarilly an endorsement. Please consult with your insurance, tax, or legal specialist before making any decisions. This blog is purely meant to spark the thought process.
