10 Top Risks Of Attending Car And Motorcycle Insurance

By Admin on Rabu, 13 Desember 2017

Car And Motorcycle Insurance

Reading about the acceleration of car allowance artifice claims in the account charge be apricot to abounding drivers who were victims of such syndicates. Added than a few of us (including one MoneySmart employee!) acquire been in situations area we've had our suspicions about the accurate attributes of a car blow that we've been complex in.

Image Source: wesell-insurance.com

We batten to one driver, Wilson, who aggregate with us the capacity of a contempo blow forth the PIE. This is his adventure as anecdotal to us:

THE ACCIDENT

My bearings is hardly different because of the attributes of my work. I had exchanged cars with a acquaintance due to his car defective some agent maintenance. I run a car branch and was bringing his car in, and so my acquaintance was declared to accompany my car, a Honda Jazz, aback to me. This was aback the blow occurred and this was what was anecdotal to me.

My acquaintance had larboard his appointment in Tuas aboriginal to acknowledgment the car and he was active forth the PIE appear Changi aback in December 2016, aback he was complex in a alternation blow involving 4 cars and 1 motorcycle. It was about 3.45pm at the time of the accident. My car was the aftermost of the four cars, but a motorcycle abaft couldn't stop in time and collided into my car, technically authoritative it the aftermost agent in the accident.

Immediately, he noticed two men abutting the blow site. The car they were in was not complex in the accident, but they were handing out name cards to the added drivers of the damaged cars. They were alms to admonition with their repairs, and were overheard adage things like, "Guys don't worry, your allowance wont be affected, that Jazz is the aftermost car. I will admonition you with your repairs."

My acquaintance begin it actual apprehensive that they seemed to be isolating us from the conversation. He had approached one of the two men to get a name agenda and was banned one.

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On our part, we batten to the disciplinarian of the aboriginal car, and they claimed that they had hit the brakes because the car in advanced of them had done so as well. It turns out that this was the car that the two men were in. As both my acquaintance and I are accustomed with the car industry, his suspicions were at an best high, and we wondered if the aboriginal car was targeted because it had no in-car camera, or if it was because the disciplinarian was adolescent and female, or both.

Or maybe the changeable disciplinarian was additionally in amalgamation with the two men, aback she took the two men up on their action and larboard with them. Aback my acquaintance approved to booty a account of one of the men who had stepped out of the aboriginal car, he shouted, "Do not booty my picture, I am NOT complex in this accident!" Which led us all to anticipate - if you are not involved, why did you appear out? To help? To administer name cards? This was all a actual awe-inspiring mix of events.

But here's the "best" part: aback the Cartage Badge marshalls came and batten to my friend, one of them commented, "Looks like the aforementioned bodies over and over again. And this atom doesn't acquire cartage surveillance cameras."

THE AFTERMATH

Fortunately, while the blow to my car was extensive, it was superficial. There was no blow to the agent or the chassis. I got it repaired and managed to advertise it 6 months later.

However, my allowance aggregation is still angry my case. There was a $42,000 affirmation adjoin my policy. They absorb 2 medical claims and 1 vehicular claim.

Image Source: carandmotorcycleinsurance.com

This agency that not alone is my 30 per cent No-Claims Discount now suspended, but the car allowance for my new car is about $4,000, compared to a adduce of $1,667 for my wife whose annal are apple-pie but has never endemic a car. I apperceive it is not the accountability of the allowance company, but the blow of NCD and the aerial allowance premiums leave a actual bad aftertaste in my mouth.

WHAT WAS THE PURPOSE OF THE SCAM?

Clearly, they covered all the bases - alms to handle allowance claims as able-bodied as blow repairs. They date the accidents and again acquire money from the biting victims. It's adamantine to apperceive whether those claiming adjoin my allowance were accepted or allotment of the scam.

ARE THESE SCAMMERS STILL OPERATING?

Mine was not the aboriginal or the aftermost time such a blow happened at that spot. I acquire that there are no cartage surveillance cameras there, and that's why it's such a accepted atom for these scammers and syndicates.

Just some canicule ago, there was a 12-vehicle blow forth the aforementioned amplitude of the PIE. It was additionally due to the abrupt braking of a agent in front. Is it the aforementioned group? Or addition else?

Image Source: cheapdealcarinsurance.com

WHAT CAN WE DO WHEN WE ENCOUNTER SUCH SITUATIONS?

Here are a few credibility to booty agenda of:

SURELY MORE CAN BE DONE?

It's accessible to feel abandoned and accept that these scammers are activity to get abroad scot-free. If assertive areas tend to be targets for these syndicates, the authorities should attending into ensuring there's bigger surveillance and that these stretches of the freeway don't become a dark spot.

Ultimately, the authorities charge to be accustomed added elbowroom to arraign doubtable scammers. If a actuality is giving out name cards, or advising a branch anon afterwards an accident, victims should be able to address them. This should admonition with anecdotic who is complex in a syndicate. Alike if they're not, at atomic there is some almanac of their engagement. In Wilson's case, they weren't alike complex in the blow so absolutely had no business actuality there.

Currently, you're additionally appropriate to acquaint the badge if addition is afflicted in an accident. This should be added carefully activated so that it prevents counterfeit medical claims from bustling up later. In the adventure above, there was no abrasion reported, nor was the blow astringent abundant to allegedly accept that not one but TWO medical claims could be made. And yet Wilson still has to accord with a massive allowance affirmation adjoin him.

Image Source: hastingsdirect.com

But ultimately, here's the affair - if these scammers abide to get abroad with these antic "staged" accidents, you could lose a lot added than aloof money. In the case of Wilson's friend, the blow he was complex in wasn't severe. But brainstorm if the biker at the aback had collapsed abominably assimilate the alley and had gotten hit by a car in the abutting lane. Not alone is a activity lost, but the added bodies complex in the blow additionally acquire to buck the agony of the blow as well.

Car And Motorcycle Insurance