Insurance fraud is a serious crime that is affecting all the insurance companies in the world. This is the only reason why most of the insurance companies are staring at huge losses at the end of every financial year. A person who makes false claims uses various methods to scam their own insurance company in order to get more money from them. There are many people who treat this scam as a business and to earn money have followed many processes and also comes up with new ways to get it done. If you run an insurance company then there are several traits to follow to find out if a claim is indeed false or not.

Driving a new or an expensive vehicle

This is fairly easy to deduce. People who are looking to claim a false insurance, they would set up an accident in order to get more money for the damage done to the vehicle and also get personal injury claim money at the same time. So, if someone has a very expensive car then it means that they must have a good insurance policy to cover the damages with high liability limits because this is a person who can afford to pay the high monthly payments towards the insurance. It does not even matter if the car is expensive or not as long as it is a new car you must have insurance even though the state you reside in does not makes it compulsory to have one. Insurance is required because the lien holder wants the car to be insured. So, you must be aware of these facts and enjoy the new or the expensive car.

Driving in a distracted manner

It is very important to drive with your full attention as if you are distracted while driving, then you might be a victim of a fraud ring. Make sure not to talk over the phone while driving as this often leads to accidents. The most dangerous thing to do while driving is texting on the phone as it will make you look off the road and you have to take your hand off the steering wheel while texting. Some of the other things that you must avoid while driving is handing something to your kid or to the fellow passengers, applying makeup while driving. All these will make your reaction and recognition times to diminish and makes t\you a very dangerous driver on the road. A person who is trying to stage an accident can simply swerve in front of you and you won’t be able to stop the car as you are already distracted.

Driving in a rash manner or tailgating

This is something that should never be practiced as rash driving often upsets the fellow drivers and also aggressive driving often breeds more aggressive driving. If you upset the wrong driver with your driving, then they may set you up for an accident that cannot be avoided.

Driving a un-repaired car

There are many people who looks to scam their insurance companies often look through the cars that are parked in a parking facility to see if they have any unrepaired part. It could be anything from a broken tail light or a broken side mirror. All they would do is take down your license plate number and pull up every detail. They will then call up the insurance company stating that this car was involved in an accident with them.

This is the reason more and more insurance fraud investigation in Chicago and insurance fraud investigation in Illinois is coming up. Even most of the insurance companies are starting to take investigative services in Illinois to make sure that a claim is indeed true.