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Fraud Schemes guides
Ghost broking and fake car insurance policiesHow ghost brokers sell fake or doomed car insurance through social media and word of mouth, who they target and how to confirm a policy is real.Auto insurance fraud explainedWhat counts as auto insurance fraud, the difference between hard and soft fraud, who commits it, what it costs drivers and how it is investigated and reported.Premium fraud: garaging address and driver misrepresentationWhy giving a cheaper ZIP code, leaving drivers off or misstating car use is premium fraud, how insurers catch it and what it can cost you at claim time.Staged car accident scamsThe main kinds of staged and caused crashes, the warning signs at the scene, what the law says and how to protect yourself and your claim if you are targeted.The swoop-and-squat scamHow the swoop-and-squat staged crash works step by step, who scammers target, how to drive defensively against it and how to protect your claim afterward.Predatory towing and body shop scamsHow bandit tow trucks and dishonest repair shops exploit drivers after a crash, the warning signs, state protections and how to protect your car and your claim.