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We live in a society that doesn’t tolerate theft. Insurance fraud is no different. The crime hurts our families, friends, neighbors and businesses here in New York and across the nation. Don’t put up with it anymore! It’s time to fight. Together, we can make a difference.
Each and every one of us needs to take a zero tolerance attitude toward insurance fraud.
Here’s some other action you can take:
- Educate yourself, and if you are an employer, educate your employees on how to spot insurance fraud and stop it. Here are some things to watch out for:
- Be cautious of attorneys or telephone callers who allege to be insurance representatives and immediately solicit your business for treatment at a medical facility following an accident.
- Check your doctor’s and attorney’s credentials. Before seeking medical treatment or legal counsel, contact the New York State board for medicine for information on physicians or the New York State Bar Association for information on attorneys.Be wary of referrals. Attorneys involved in medical mill operations will oftentimes insist an accident victim seek medical treatment from a specific doctor.
- Don’t be talked into an injury. Be cautious if your doctor prescribes excessive treatment for minor injuries. Seek a second medical opinion when, for example, your doctor recommends testing, x-rays and medication for your “severe back pain” when in reality you don’t feel any back pain at all.
- Talk to your insurance company. Maintain records of your office visits and treatments, and provide them to your claims representative, who can compare them to medical bills, uncover any discrepancies and avoid unnecessary payments to dishonest medical providers.
- Most important of all, don’t commit insurance fraud and if you see it happening, report it.
- And finally, pass our information along to everyone you know.
- First and foremost, keep distance between your car and the car in front of you. Be wary if a car suddenly pulls in front of you, forcing you to follow dangerously close.
- After an accident, be careful of strangers who offer you quick cash or urge you to see a specific medical clinic, doctor or attorney.
- Carry a disposable camera so, in the event of an accident, you can take pictures of the scene, damage to cars and other details.
- Take detailed notes of the condition and number of passengers and details of your discussion with the other driver.
- Record names, addresses, license plate numbers, witness information and any other facts you think might be important.
- Be sure to call the police to the scene. Beware of anyone who is anxious to leave quickly before police arrive.
- Look out for large, older vehicles with three or more occupants. Criminals often crowd into old cars when looking to stage an an accident.
- Panic Stop - is the most basic of the caused accidents. The suspect positions his vehicle in front of the victim's vehicle and slams on the brakes causing a rear-end collision. The victim driver has no warning that the accident is about to occur.
- Drive Down - occurs when you try to merge into traffic or pull out of a parking space. The suspect driver waves you to proceed, then intentionally smashes into you. The suspect driver denies waving you on.
- Hit and Run - occurs when a suspect driver uses a damaged vehicle, drives it to a public location and claims to be the victim of a hit and run. The police are often called to verify damage.
- Sideswipe - occurs in a dual left turn lane of a busy intersection. The victim driver in the inside lane drifts into the outer lane and is intentionally hit by the suspect driver in the outer lane.
- Swoop and Squat - occurs when the vehicle you are following is suddenly passed by another vehicle which "swoops" in front of it. This causes the vehicle in front of you to stop abruptly or "squat." As a result, you are unable to avoid colliding with the rear end of the squat vehicle. The swoop car races away, never to be seen again. The driver of the squat car submits vehicle damage and personal injury claims to your insurance company.
- Don't give out personal information on the phone, through the mail or over the Internet unless you've initiated the contact or are sure you know whom you're dealing with.
- Don't carry your Social Security card. Leave it in a secure place.
- Secure personal information in your home, especially if you have roommates, employ outside help or are having service work done in your home.