Last week, we covered the four most common types of staged accidents in limo insurance fraud that criminals are using to scam the system and collect large financial settlements from unsuspecting drivers, especially those who drive large and expensive vehicles. Whether these limo insurance fraud accidents involve an organized crime ring or an individual attempting to make a few extra bucks, there are steps you can take to reduce your chances of becoming a victim:
- Look out for large, older vehicles with three or more occupants. Scammers often crowd into old cars when looking to stage an accident.
- Don’t tailgate. Make sure you leave plenty of room in front of you and around your vehicle so you can react to the sudden movements of other drivers.
- Use your own judgment in driving situations. Even if other drivers signal that it’s OK to merge when you are near them, you make the call whether or not it’s safe to do so.
- Keep a pen and paper in your vehicle and use your Lancer-provided Accident
Reporting Kit to gather information. If an accident occurs, record names of
all vehicle occupants, addresses, license plate numbers, the adverse driver’s
license number and insurance details, witness information and any other
pertinent facts for immediate documentation of what occurred.
- Keep a 24-shot, disposable flash camera, like Lancer’s free-to-order AccidentCam in your glove box, or use your cell phone to take pictures. Borrow a camera if you don’t have one, because it’s important to take photos before any vehicles are moved. Take pictures of your vehicle, other vehicles involved and the entire scene. Have photographs to help tell the story of what happened.
- Call the police to come to the scene, even if the adverse vehicle occupants insist it is not necessary. Get the officer’s name and information from him/her on how to get the police report. Do this even if you think the damage is minor.
- Report any accidents or incidents 24/7 to LimoDirect immediately at 1-800-521-6155 or whomever you insure your limo with. The sooner claims professionals begin their investigation, the better the chances fraud can be detected.
- Contact Lancer’s Special Investigation Unit (SIU) at 1-800-533-8552 and contact the National Insurance Crime Bureau (NICB) at 1-800-TEL-NICB if you suspect a scam. You can also email Lancer at firstname.lastname@example.org.