Beaware Of Car Insurance Scams
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by: SusanTanner
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It is quite unfortunate to note that there are so many scams all over the world. There are some people who make a living by cheating others and swindling their money. California car insurance is one such scam, which has become known in the recent days. They sell counterfeit car insurance claiming it as cheap auto insurance. Though the insurance looks real, the insurance coverage is either invalid or does not exist. This article will help you to know about different types of car insurance scams that are out there.
One of the most common car insurance scams is an individual pretending to be a licensed auto insurance agent or broker. This person charges a fee to prepare a quote for you. The quotes for the auto insurance coverage are at a rate significantly less than what you're presently paying or have been quoted.
Now the fake insurance broker is having all of your personal information including your driving history. This fake agent will now call a licensed insurance company for an auto insurance quote with your identity. The fake agent will say that you belong to a group that is eligible for a discount. The fake agent will not show your accidents or traffic violations. You can then pay your premium directly to the insurance company and receive a proof of insurance coverage.
You will be happy thinking you now have cheap car insurance. Nevertheless, you need to understand that no licensed insurance agent or broker can ever charge a fee. Your insurance coverage is invalid as the information that was given to the company is false.
Another type of car insurance scams is marketing that offers cheap car insurance premiums. The advertising shows the coverage at rates significantly lower than the insurance you now have. Sometimes the offer is for free auto insurance for a period of time, for example "the first three months free".
The scam agent will provide you with a phone number in the marketing materials. When you call that number they will provided you with a quote. To accept the quote they will ask you to pay either a partial or a full payment through a transfer or money wiring service. They may even ask you to meet in person so that you can pay in cash or with a cashiers check.
Now you are happy assuming that you have a great deal on insurance. You will be shocked to know that in reality the policy was never issued. The scam person pocketed your payment.
There is no free lunch, which is to say if it sounds too good to be true it probably is. Remember, driving without valid auto insurance is against the law. It is your responsibility to ensure that you have valid auto insurance. You do not want to find out that you don't have valid auto insurance by being involved in an auto accident or by being pulled over by the police.
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