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false information
insurance policy
insurance companies
car insurance
premiums
orlando florida
good reason
accidents
teenagers
Car Insurance Fraud
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Where is car insurance fraud rampant? One place is Orlando, Florida. Recently it was reported that already this year 40 people have been arrested for faking accidents so they can file claims and be paid.

Why should you care about car insurance fraud? Well, it’s not just the insurance companies’ problem. While fraud costs them money, don’t think that cost comes out of their profits. They just pass that cost on to you and me. This is one reason you might see your premiums going up.

Also, you could be a victim more directly. Some people stage an accident. They’ll slam on the brakes, hoping you’ll run into them. They might have even disabled their brake lights so you don’t know what they are doing. Then when they file a claim, they’ll add on all kinds of damage. Since you will most likely be considered the one at fault, guess what will happen to your rates?

Some people are more subtle at car insurance fraud. They’ll provide false information to get lower premiums. This might include saying they only drive 2 miles to work, or they park their car in a garage when really it stays on the street all night. So if you have moved further away from your job, make sure your insurance company knows. Your premiums might go up a little, but that will be better than being accused of fraudulently withholding information.

Or they might fail to list all the vehicle’s drivers. This is especially common when some has a new driver in the house, such as a teenager who has just gotten their driver’s license. Rates for teenagers are much higher than for older drivers, and for good reason.

But if you think this is a good way to keep your premium down, think again. Statistically, teenagers are more likely to be involved in an accident, and to be the one at fault. If they are driving your car and this happens to them, and you didn’t list them on the insurance policy as a driver, your insurance company might refuse to pay for any damages or liability. And they may even cancel your policy if they suspect you had intent to commit fraud by not informing them your teenager would be driving your car.

So what can you do about car insurance fraud? Make sure you are not guilty of it, whether intentionally or not. Drive defensively and be aware of other drivers, and leave enough following distance between you and the car in front of you. And if you notice that car doesn’t have working brake lights, be doubly cautious. Being alert to car insurance fraud can help keep premiums lower for everyone.


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