Rock Talk

Insurance Fraud Affects Us All

Last updated on November 6, 2019 at 12:17 pm

Why should you care about insurance fraud? Simply put, insurance fraud is costing you money right now.

In recent years, insurance fraud has reached epidemic proportions in New Jersey and several other states. Auto insurance companies have been forced to adjust rates accordingly. In the end, customers foot the bill.

On the bright side, Plymouth Rock is working hard to support the New Jersey Office of the Insurance Fraud Prosecutor in reversing the trend and taking down fraudulent individuals and organizations. You can help too by reporting any suspicious activity as soon as possible. Here are two common forms of car insurance fraud to watch for:

Staged Accidents
You may have heard the phrase, “Swoop and Stop,” referring to an accident caused by an individual who intentionally cuts off another vehicle and slams the brakes. This is one example of a staged accident created to collect insurance payments for nonexistent or exaggerated injuries.

You can protect yourself from becoming a victim of a staged accident by avoiding tailgating and paying close attention to the behavior of the drivers around you. In the unfortunate event you are involved in an accident, it’s important to count the number of passengers in the other cars involved. Often, fraudulent individuals or organizations will submit claims for more people than were actually involved. If possible, get the names and telephone numbers for all parties.

Medical Abuse
Unfortunately, it’s not uncommon for unethical medical facilities to hire “runners” to collect accident reports and solicit recent accident victims with incentives to visit that particular medical facility for unnecessary and potentially harmful treatment. Even more troubling is that these abusive facilities create networks with other healthcare facilities and refer victims for additional treatment until the victims’ medical coverage through their car insurance companies has been exhausted. Meanwhile, these victims do not suspect abuse of the system and are simply seeking professional medical services.

If you are involved in an accident and require medical attention, see your own doctor first. Do not trust any individuals who show up to your door with your accident report and a cash incentive to seek treatment. If you need assistance finding a trustworthy medical facility, Plymouth Rock offers a voluntary network for your consideration.

If you suspect fraud, abuse, or any unethical behavior following an accident, please report your concern as soon as possible by calling our anonymous tip line at 855-FRAUDNJ. Remember, if we  work together we can help put an end to insurance fraud.

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