Clever or deceitful, regardless of how you see it, nobody
likes to be a victim of fraud. Unfortunately, we're all
prone to be victimized regardless of the possibility that we
never come across someone who’s compromising to make a buck.
Fraud is a crime because it typically means that you are
taking something that you are not legally entitled to. Auto
Insurance, fraud is on the rise especially here in
Singapore, and it is affecting almost every driver, whether
they are aware of it or they aren’t. Singapore is a
green-field for possible auto insurance fraud, and even if
you might not be directly involved, the fact that it is
widely spread leads to increased premium costs and longer
waits of claims to be processed.
Before we look on how to uncover an automobile insurance
fraud, let’s have a brief how it occurs.
How Automobile Insurance fraud occurs.
Auto insurance fraud is an attempt to cheap an insurance
company with a purpose of getting paid. It can be attempted
by the policyholder, by another driver, the repair person or
a medical professional. Typically, auto insurance, fraud is
classified into two, i.e. hard fraud or soft fraud.
Hard fraud is a situation when someone intentionally causes
an accident, allowing him to file a claim. Take an example
of two drivers who stages a car accident. The first one
drives ahead of you and the second one behind you. The one
ahead of you slows down while the one behind you do not
allow you to slow down, so there is a chance you will crash
on the one ahead of you when you are concentrating on the
one behind you. Now, you become accused of injury of the one
ahead of you, and the insurance company has to pay for the
damage that will ultimately increase your premiums.
The soft fraud occurs when someone files a legitimate claim,
but it’s somehow distorted in a way that will inflate
money/claim paid by the insurance company. This happens when
someone claims that there more car damages that were done,
than what occurred in the real sense, or when there is a
claim that an injury happened during an accident while the
injury was actually present before the accident. There are
many more situations that qualify to be an insurance fraud;
this is just an overview of how it can indirectly affect
So, How To Uncover Automobile Insurance, Fraud? Here are few
tips that might be helpful.
1. Research Claim History
The claim history is the best way to know whether you are
dealing with professionals’ scammer or not. However, there
are chances that those who commit claim are smart enough not
to file a claim under the same name or with the same
insurance company. So, it is important to research the
claimant's previous residences more than you will on the
current one. To get the complete information about someone
claim, you may need to utilise information system that
compiles all the claims from all or multiple insurance
providers. If you do that, there are many chances that you
are going to uncover an insurance fraud, if any.
2. Look beyond the claimant claim History
One thing about criminals is there are not always careful
enough; they have the attitude of I do not care’. For this
reason, there are chances that they will leave traces in
their social media profiles. For instance, the claimant
files a legitimate claim, but distorts information regarding
injuries, there are chances you will find some prove of
existing injuries before the accident by looking at their
social media timelines. People tend to put out incriminating
updates of how they got injuries, how they are facing a
challenge after and such kind of things. So, have an open
mind, and there are chances that you will be able to to
uncover an insurance fraud attempt through claimant social
3. Be prepared
They say that 'prevention is better than cure'. This applies
when you are involved in any accidents. If an accident will
cause you or your insurance company to be responsible for
another car damages and repairs, it is important you record
the events that happened during the accident. You can record
a video and take photograph of everything that happened in
the course of the accidents and immediately after the
accident. This is important because there are chances that
if someone was attempting to commit fraud, they might decide
to opt away, or you can use the information uncover the
attempt of fraud.
4. Verify Damages provided by the claimant
Before you forward the quotes supplied by the claimant
always verify the estimate through their repair company as
well as your repair company. When verifying from the
claimant repair company, make sure you ask whether the
damages seen on the vehicle actually happened during the
accident, or there are signs that they might have happened
before the accident.
The same happen with the injuries on the claimant. Get the
record from the medical professional and verify!
5. Get the help of a private investigator
You might not be able to do research on the claimant
history, or have time to investigate on his social media
timelines or what is needed to uncover a possible insurance,
fraud. So the only best way to uncover an auto insurance
fraud is to hire an insurance fraud private investigator.
These are experts at weeding a false claim that will bring a
solid case to the judge if the case goes to the court.
However, you need to make sure you get the best private
investigator; one who has resources, specialised techniques
and the technologies that will stop a possible insurance
Some additional strategies can help you against auto
insurance fraud includes; taking notes of exactly what
happened, where it happened, calling the police so that you
can protect yourself against perpetrators of fraud who might
destroy their car further to inflate the claim. Also, be
keen, on the good Samaritan who offers to help you in the
accident scenes and advising you to use a particular service
provider. Some of these people are just perpetrators of
Looking for Reputable Private Investigator
Still searching for Reliable Private Detectives in
Need to do background check on someone?
Copyright and Adultery Issue Troubling You?
Need help uncovering Commercial Fraud?
We got Private Investor to uncover fraud in
our company. We suspect one of our staff is
taking money without issuing invoice. Private
investigator uncover the truth and we managed to
get back what we lost. Fast and efficient,