Beware of the SCAM of Fake Auto Accidents

Many think of fraud as a non-violent crime. In reality, vehicle insurance scams, including staged traffic accidents, are far from non-violent. Aside from costing honest consumers hundreds to thousands of dollars in added insurance premiums, this steadily growing form of fraud has resulted in countless injuries and deaths to innocent victims of the scams. In fact, data from the NICB (National Insurance Crime Bureau) shows that staged traffic accidents have rapidly become a leading source of insurance fraud nationwide.

How Does It Work? These criminally staged collisions frequently involve several suspects driving a car. The victim is the driver of another vehicle that’s being targeted by the suspects staging the collision for their own financial gain.

The suspects will most often use one of two techniques:

1. Swoop and Squat. Two or more suspects drive two different vehicles. They target an unsuspecting vehicle, most often an older model that only contains one victim. This is done so that there will not be any witnesses to the collision. The one or two suspects in the squat vehicle position their car in front of the vehicle driven by the victim. They slow to create a smaller space gap between themselves and their victim. Then, the swoop vehicle suddenly changes lanes to cut in front of the squat, thereby causing the squat vehicle to throw on breaks and stop. As a result, the innocent victim rear-ends the squat. Meanwhile, the swoop vehicle is long gone and the squat vehicle is claiming that an unknown vehicle cut them off and forced them to brake.

2. The Drive Down or Wave On. In this version, the suspect(s) are stopped at the entrance to a parking lot or an intersection. They wave on or yield the right-of-way to the victim. When the victim proceeds, the suspect intentionally accelerates to collide with the victim.

What Can Drivers Do to Reduce the Risk of Being a Victim?

  • Stay aware of your surroundings, paying close attention to what the vehicles several in front, behind, and beside you are doing and maintaining sufficient room between you and all other vehicles.
  • Use caution when making a turn in front of another vehicle, even if they yield the right-of-way.
  • Since suspects tend to look for innocent drivers that accidentally cross the center line and then sideswipe them, pay close attention to staying within the lines of a lane.
  • After any accident, count the number of passengers and get their personal information. You might find that more people are listed on the insurance claim than were actually in the accident.
  • Avoid driving when you’re stressed; preoccupied with a cell phone, map, or food; or lethargic. All of these lessen the care with which you drive and your concentration abilities, thereby increasing your vulnerability.
  • Have a camera in your vehicle to take photos of the scene, license plates, and the occupants of the vehicle with which you have an accident.
  • Always call the police and get a copy of the police report. If the damage to the other car is minor, then ask the officer to specify this on the report, as this will make it more difficult for the other party to create more damage for a larger claim.
  • Alert the authorities if you feel the accident was staged.

In closing, these staged traffic accidents often have criminal elements that reach far beyond just the suspected drivers. It’s often a criminal collaboration among unscrupulous doctors and attorneys who willingly and knowingly assist in the fraudulent insurance claim process.

We hope this article helps keep you and your loved ones safe.  If you have questions, comments or concerns, please let us know.  You may reach any one of our knowledgeable Protection Coaches at 951-600-5751, Call Free 877-994-6787, or email insure@siaonline.com.

Paying Too Much For Your Auto Insurance?

To paraphrase President Barack Obama, if you are still feeling the effects of the economic recession, then the recession is not over for you. And chances are good that you might be among those who are still trying to pinch every penny and save money wherever and whenever they can. But have you thought about saving on your car insurance? Car insurance premiums represent a significant chunk of your income each year, so it only makes sense that you should make sure that you are not paying too much for necessary coverage. If you are not getting some of these car insurance discounts, then you are likely paying more than you should:

Safe driver who obeys traffic laws? The No. 1 determining factor when your car insurance premiums are being calculated is your driving history and the driving history of other drivers on your policy. In fact, many insurers appreciate a good driver so much that they are willing to knock 10% off the cost of your insurance for having a clean driving record. Now that’s significant!

Are you an older driver? Drivers older than 50 are often eligible for many discounts on their car insurance. More and more companies are rewarding older drivers for their experience behind the wheel.

Have you taken a defensive driving course? Defensive driving courses can help you to become a better, safer driver, and your car insurance company knows this. If you can provide proof of taking a qualified defensive driving course, you can score additional savings.

Is your teen driver on the honor roll at her school? Students who make good grades might be eligible for a discount, as can those students who take a driver’s education course. It pays to be smart!

Is your car equipped with special features? Airbags, daytime running lights, anti-lock brakes and anti-theft devices are just some of the equipment that might qualify you for savings.

Compare Auto Insurance Rates and Save Even More

Other than qualifying for discounts on your car insurance, you can also reduce the cost of your car insurance by combining your policies with the same company and comparing rates with top companies. The quickest and most efficient way to compare rates is to contact one of our Protection Coaches. Many drivers find that they are able to save 30% or more off the cost of car insurance if it’s been a while since their last review.

Call TODAY and see how much you can SAVE! Here are 4 Easy Ways to Reach Us:

  1. Call 951-600-5751 or 877-99-INSURE
  2. Fax 951-677-6265
  3. Email – insure@siaonline.com
  4. Visit www.SIAonline.com – 24/7

Avoid Aggressive Driving and Road Rage: SAVE LIVES

Basic decency during driving can seem hard to come by these days. “Road rage” refers to the ability of perfectly sane people to become angry maniacs when behind the wheel of a car. On average, at least fifteen hundred people including men, women and children are killed or injured each year in America due to aggressive driving. Aggressive driving such as tailgating, cutting off other vehicles, and giving the one-finger salute are unfortunately quite common in the United States.

In fact, the problem of discourtesy when driving is responsible for as much as thirty percent of all traffic collisions. Drivers routinely ignore the basic rules of driving, engaging in overtly aggressive behaviors even to the point of murder. One of the most important situations where discourtesy results in injuries or death to other drivers is in right-of-way situations. Whenever two vehicles are driving along a path that puts them at odds with one another, the problem of right-of-way becomes boiled down to who goes first.

Right-of-way is always granted by the other driver, but the problem becomes exacerbated when drivers do not follow the rules concerning right-of-way. Unfortunately, being legally right does not mean being safe. Drivers who cede their right-of-way to the other driver might actually put themselves at risk.

Consider a common situation where, in congested traffic, a driver wants to be let in to the neighboring lane and the driver gives it to them. Before doing so, the driver must check for traffic coming from the rear. If there are two or more lanes going in the same direction, the driver also has to be aware of drivers passing him on the left, since the other driver could pass into that left lane. Other drivers who are not aware of the first driver may not understand that they are yielding their right-of-way.

Drivers must also remember to consider alternate routes. Sometimes avoiding left turns altogether can be the best choice. If a driver has missed a turn and needs to get back to the intersection, performing a U-turn might actually be very dangerous.

When you head it on the road today set an example, so that other drivers can be reassured that there is at least someone who is attempting to drive responsibly.

Thanks!

If you have any question or concerns regarding your own auto insurance, here are 4 Easy Ways to Reach Us:

1. CALL 877-994-6787 or 951-600-5751
2. Fax 951-677-6265
3. Email – insure@siaonline.com
4. Visit Our Website – www.SIAonline.com

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1. Call 951-600-5751 or 877-994-6787
2. Fax 951-677-6265
3. Email – insure@siaonline.com
4. Visit us on the web 24/7 – www.SIAonline.com

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“112” and Unmarked Police Cars – May Just Save a Life

VERY IMPORTANT INFORMATION ABOUT UNMARKED POLICE CARS…

Some knew about the red light on cars, but not the 112.

It was about 1:00 p..m. in the afternoon, and Lauren was driving to visit a friend. An UNMARKED police car pulled up behind her and put his lights on. Lauren’s parents have always told her never to pull over for an unmarked car on the side of the road, but rather to wait until she got to a gas station, etc.

Lauren had actually listened to her parents advice, and promptly called 112 on her cell phone to tell the police dispatcher that she would not pull over right away. She proceeded to tell the dispatcher that there was an unmarked police car with a flashing red light on his rooftop behind her. The dispatcher checked to see if there were police cars where she was and
there weren’t, and he told her to keep driving, remain calm and that he had back-up state troopers already on the way.

Ten minutes later 4 cop cars surrounded her and the unmarked car behind her. One policeman went to her side and the others surrounded the car behind. They pulled the guy from the car and tackled him to the ground.

The man was a convicted rapist and wanted for other crimes.

I never knew about the 112 Cell Phone Feature, but especially for a woman alone in a car, you should not pull over for an unmarked car. Apparently police have to respect your right to keep going to a safe place.

Speaking to a service representative at Bell Mobility confirmed that 112 was a direct link to State trooper info. So, now it’s your turn to let your friends know about 112.

You may want to send this to every woman (and man) you know; it may save a life.

This applies to ALL 50 states.

1. snopes.com: Cellphone 112 Emergency••
Will dialing 112 connect you with an emergency call center when your
cell phone has no signal?
…Claim: Even when your cell phone signal is blocked, dialing 112 will connect you with an emergency call center. Example: [Collected on the Internet,…
…your mobile phone has no signal (so even if you were in a tunnel) if you dial 112 it diverts to a satellite signal and puts you through to the 999 call….
…The global mobile emergency number, 112, is “special” in the sense that (unlike other local emergency numbers, such as 999) it will use any tower your…
Fri, 23 Apr 2010 11:18:08 GMT
http://www.snopes.com/science/mobile.asp

We hope this important information helps keep you and your loved ones safe. If you have any questions or concerns, just leave a comment below, Call 877-994-6787, Email – insure@siaonline.com, or visit our website 24/7 at www.SIAonline.com.

The Car Insurance Doctor Tips: Special Equipment & Non-Factory Items on Your Vehicle…

Is everything in/on your vehicle covered by your auto insurance policy… your custom tires and rims, your GPS???

The Car Insurance Doctor brings you helpful information about what items are covered and what items are NOT covered by your auto insurance policy.

>>>>>>>>> http://www.youtube.com/watch?v=ckjkqNoygnc (Video Link)

If you have any questions or are unsure about your insurance coverage, call the doctor and our staff today for the right answers to your questions.

Here are 4 Easy Ways To Reach Us:

1. Call 877-994-6787 or 951-600-5751
2. Fax 951-677-6265 
3. Email – insure@siaonline.com  
4. Visit – www.siaonline.com