What you need in your car to avoid fender bender fraud

Fender bender fraud is on the rise again in the United States.  This classic scam, in which a team of scam artists work together to create an accident, then bill you and your insurance company for thousands of dollars in made up damages, can cost you a lot of money and time.  Fortunately, there are things you can do to protect yourself.

One of the most important things you can do is keep a kit in your car that contains everything you need to deal with a minor accident.  Make sure you have these items readily available.

  1. Important paperwork.  Your license, vehicle registration, and proof of insurance are all required in the state of North Carolina.  Make sure you have these available to show a police officer after an accident.  Many times, scam artists will try to convince their victims to keep the accident out of official records.  By having these documents, you’ll be prepared to deal with the police.
  2. Camera.  The camera on your cell phone can work if it takes good pictures.  Documenting the damage to both cars is a good way to present proof to your insurance agent later of the actual damages that occurred as a result of the accident.
  3. First aid kit.  More important than the physical damage to property is the health tool that these scams take on their victims.  Be prepared by carrying some basic first aid items in your car such as bandages and tweezers.  

Of course, it’s also important for residents of Hope Hills, NC to be prepared for minor accidents with good auto insurance.  Contact the agents at Cross Creek Insurance to get a policy that gives you enough coverage to protect yourself from these scams.