Compliance and safety
Staged crashes, fake agents, ghost brokers, and pressure at the scene
Insurance fraud runs in both directions: schemes that target drivers, and schemes that use drivers as unwitting participants. Both are avoidable with a small number of habits.
A ghost broker sells a policy that does not exist, or one obtained using falsified details so that it collapses at claim time. The signs are a price far below the market, pressure to pay immediately, payment by untraceable methods, and documents that do not come from the carrier directly.
Common patterns include the sudden brake in front of you, the wave-in that is then denied, and vehicles that appear with extra passengers claiming injuries. They depend on no police report and on you handling it privately.
Be wary of anyone who arrives uninvited at a crash scene offering towing, legal help, or medical treatment; of shops that suggest inflating a claim or waiving your deductible; and of any request to sign a blank authorisation or assignment of benefits.
Keep a dashcam, photograph everything, never sign documents you have not read, and report suspected fraud to your insurer and your state department of insurance. Fraud raises premiums for everyone, and reports are taken seriously.
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