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1. How to Fight Insurance Fraud

2. Insurance fraud can happen anywhere and anytime.

3. The filing of false claims, faking injuries to get
compensation, claiming business or commercial vehicles as
person vehicles, not documenting all drivers of a vehicle,
and even lying concerning a residence are all types of auto
insurance fraud.

4. Types of Insurance Fraud

5. Getting lower premiums due to misrepresented information
claimed as fact is considered insurance fraud in most states.

6. Every year, thousands of people are convicted of insurance
fraud in the US.

7. New Jersey's Commissioner Kobylowski claim, "When
people commit insurance fraud, it costs all New Jersey
drivers.

8. " This can be true for every other state as well.

9. The National Insurance Crime Bureau reports that on
average, insurance fraud increases premiums by $200-$300
a year.

10. In New Jersey, specifically, some individuals have up to
$250,000 in benefits per accident while some states limit
coverage to only $5,000-$10,000.

11. While this is good for someone honestly involved in a car
accident and is injured because of it, it also leads people to
try and game the system.

12. If you are one of those people actually injured in an auto
accident, beware of situations where you might be taken
advantage of.

13. The Costs of Insurance Fraud

14. Some sources of auto insurance fraud are medical services
that are billed to you, but never provided, unnecessary
medical services or procedures, and billing more than usual
for certain medical procedures.

15. There are also numerous ways that insurance fraud cons
use their vehicle, such as false hit and runs where they
claim you hit their vehicle, when it was actually pre-existing
damage to your vehicle.

16. Many of the ways that insurance fraud can rope you in
involve how close you are to their vehicle.

17. Ways to Prevent Insurance Fraud

18. Although it may require you to pay more attention to your
driving habits, keeping your distance and observing your
surroundings is one of the best preventative measures
when it comes to auto insurance fraud.

19. Another option is to install a dash cam to capture anything
that might occur while driving.

20. These cameras can be set to turn on and record only when
you are driving, and are ready at a moments notice to
provide the evidence necessary to prove your innocence in
the event you are involved in an accident.