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Recognize Suspicious Claims – Bodily Injury
- No police report or on-scene police report
- Several claimants in same vehicle, subjective injuries, similar reports,
same doctors and/or same attorneys
- Bodily injuries appear excessive compared to the amount of physical damage
to the auto
- Accident is a rear end collision caused by a sudden, unjustified stop by
claimant’s car
- Accident occurred shortly after one or more of the vehicles was purchased,
registered or insured
- Insured feels "set up" by
claimant(s)
- Claimant’s work place phone number is connected to answering machine
registers to an answering service or mail drop
- Slight impact; subjective injuries (soft tissue); substantial treatment
and excessive demands
- Questionable dates of treatment, evidence of alteration of dates and/or
charges
- Slip and fall with no witness of the witness is unusually observant
- A company name on a lost wage statement cannot be located, there is no
record of said employee at that company and/or the company is owned claimant’s
relative
- Claimed ailments persist far beyond normal recuperative time period
- Insured take out a new policy even though the insured vehicle was
purchased long before coverage was sought
- Doctor’s mode of treatment, duration of treatment always the same even
though injuries/accidents differ
- Designated doctors and lawyers have known history of bodily injury claim
involvement
- Location of doctor/therapist inconvenient to claimant
- Doctor making house calls beyond convenient distance
- Wage documentation is lots, not on letterhead or it’s handwritten or
photocopied; includes questionable earning; difficult to verify
- Presence of damaged items (props) found (claimant) as damaged
- Insured is eager to accept blame for the accident
- Vehicle is a "beater" – an old car with basic coverage
- Vehicle damage, although minor, "totals" the car
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