Auto insurance claims that may be fraudulent can either be soft
fraudulent insurance claims or hard fraudulent insurance claims.
Insurance adjustors have within their means ways of spotting either
type of fraudulent auto insurance claims if they can prove that the
claimant is deliberately involved in such criminal behavior by doing
some simple investigation to verify the claims made by the claimants.
A type of soft fraudulent claim can be spotted if the insured files
repeatedly for the same injury, files for injuries that were not caused
by an auto accident, claims to have been deprived of more work related
income than he or she actually earns or files for more costs in
repairing the damaged auto than was actually paid to have it repaired.
Examples of hard fraudulent auto insurance claims involve criminal
behavior like staging auto accidents in order to file a claim. Other
readily spottable bogus claims come from filing a claim for an accident
that the claimant was not even involved in or filing for repair costs
or for medical treatments that were never done.
In some cases, if a certain car is over insured, accidents like rear
end collisions are staged to have the claimants who were rear ended
file for medical damages against the bumper's auto insurance. There are
cases where a car is packed with passengers and is deliberately stopped
in traffic to have the over insured car following bump the rear of the
car with the passengers. All of the passengers then file for medical
injuries against the insurance held by the car that bumped them. The
claims are obviously bogus but proving them would mean paying an
investigator to prove collusion between the car accident orchestrators.
Auto accidents that have no real serious injuries or damage but involve
settlements paid for medical injuries or inflated repair costs that
might even be more than the car is actually worth are easily spottable
as bogus claims. In some cases, autos are insured for more than they
are worth and are wrecked deliberately for the insurance money. Proving
bogus claims are obviously more difficult than spotting bogus claims.