Car insurance fraud is a serious problem throughout Canada and beyond, costing each insurance customer approximately $300 per year in added premiums. Whether you’re out on the road or purchasing Edmonton car insurance for the first time, there are many things you can do to make sure that you don’t become a victim of fraud. The first step is to make yourself aware of the how insurance fraud works, as well as of the best things to do in the event of an accident. The only way to avoid fraud completely is to consult with a licensed professional who can help you sign up for an Edmonton car insurance policy that is right for you. If you’re not ready to do that, here are some tips.
When buying Edmonton car insurance
When you’re in the market for Edmonton car insurance, remember these tips:
- Whenever you have doubts about a company, you can find out if it is certified by calling the Alberta Insurance Council.
- If you encounter a company whose rates are far lower than the competition, hold off on buying for now. Do a little research to find out if the company is real. In the event that you’re unable to find good information about the company, be aware that it might be a scam.
- Always read every word of a policy before you sign it.
- After you get your Edmonton car insurance ID number, be sure to keep it private.
- Be wary of internet ads, telemarketers, or door-to-door insurance salespeople.
When you’re behind the wheel
When you’re driving, always be vigilant. Stay aware of the vehicles that are in your vicinity, and watch out for cars that suddenly pull in front of you or follow way too close. It may be nothing, but it may also be an attempt to stage an accident. Whenever you feel unsafe due to another driver, get out of there as soon as possible. If you can, pull into a safe spot such as a gas station or any parking area with people in it.
After colliding with another car
After a collision, there are certain very practical steps that one should take to safeguard against insurance fraud. Here are some tips to keep in mind:
- First, both drivers should exchange information, including the names, numbers, addresses, license numbers, vehicle registrations, and insurance information. Make note of who was driving, and also get information about any other passengers in the car.
- Take pictures of the damage to both cars, as well as of the overall scene. If you don’t have a cell-phone camera, have a disposable camera in your glove box.
- Call the police and find out if they can come to the scene. When an officer does come, put in a police report as soon as possible.
- If anyone who is not a police officer comes to the scene and tries to tell you to do something, don’t listen.
- Call your insurance company and file a claim as early as possible.
- Avoid using tow-truck drivers who insist upon taking your car to a certain repair shop.
- Get detailed invoices and bills for all accident-related charges, and hold on to all receipts.
- Never sign any accident-related documents before you read them.
