Every driver tries to be as responsible as possible on the road. You don’t want to go through hitting someone, because that’s just going to cause a lot of hurt feelings, high insurance premiums, and delays to your natural schedule. These days, we have a lot more on our plates, which means that there’ always something to do and something to think about. You really don’t want to find yourself in a position where you don’t have enough information.
One scam that you need to know about right now is the cash for crash scam, where unscrupulous drivers will let someone lightly hit them, and then go out claiming that they were badly injured. Whiplash is real, and it’s something that causes a lot of pain to the body. However all you really have is the sufferer’s word.
The worst part? Insurance companies are near powerless to do anything to fight back. They end up settling out of the courtroom, as the high cost of court fees make it impossible to avoid losing money on these claims.
The underlying problem is even worse than first thought. There are many bad doctors that even supply medical proof of this whiplash in return for a fee. It’s a bad form of fraud, and you need to make sure that you’re prepared to fight it.
When you are in an accident, make sure that you never get out and admit default to anything. That’s to for you to decide, anyway. You need to make sure that you try to get as much information as possible documented in a police report. Be willing to hand over your insurance details immediately. Follow up with the insurance company.
If your insurance company is going to raise your rate over something like this, then you definitely want to at least compare and contrast insurance quotes. Look beyond just price though — you might be able to get a new policy that has some different features designed to offer more protection.
And at the end of the day, that’s all insurance really is — protection against the unknown. We don’t know when we’re going to get into an accident, and we certainly don’t know what’s going to happen. It’s still better to have coverage than not have coverage. Take care and good luck!