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Recognize Suspicious Claims
- Motor Vehicle
- Cash purchase of late model new
vehicle
- Out-of-state purchases
- Individual named as lien holder
- Insured has no bill or the bill
of sale is out of line with car’s value
- Vehicle is totally burned
- Vehicle Identification
Number(VIN) of the damaged car does not match VIN of the
insured car or match the model shown in appraisal
photographs
- NICB cannot match VIN
- VIN place is different that VIN
on the title
- Vehicle was rebuilt
- Prior loss or salvage on
vehicle
- Prior owner cannot be located
- All vehicles in accident taken
to the same body shop
- Recently duplicated or assigned
title
- Counterfeit title documentation
- Insured is unemployed
- Insured wants to retain title
to salvage
- Loss takes place between
issuance of binder and state-mandated pre-inspection
(where applicable)
- Premium paid in cash
- Comprehensive coverage only
- Duplicate coverage
- Repair shop estimates include
repairs that body shop is not equipped to handle
(painting, straightening)
- Body shop has history of high
damage claims
- Appraiser/adjuster is
threatened or offered a bribe for a quick settlement
- There is heavy property damage
to vehicles indicating a major collision – no bodily
injuries are reported
- Salvage or repair shop takes
active interest in claim
- Repair or installation bills
are numbered consecutively or dates show work done on
Sundays or holidays
- Two vehicles are involved with
heavy damage to struck vehicle and relatively light
damage to striking vehicle
- The striking vehicle is a
rented car
- Accounts of the accident by
drivers, passengers and witnesses appear rehearsed or are
conversely inconsistent
- Appraisal photographs show only
close-ups of the damage, but not enough of the car to
identify the make and model
- Vehicle is covered and…
- No ignition or steering
column damage
- Carefully stripped lug
bolts and washer put back
- Extensive body damage
and no towing charges; vehicle remains drivable
- Car shows signs of previous
damage
- Damage does not match type of
accident claimed
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