Personal Injury Fraud
Personal injury fraud – as it pertains to home, car or business insurance claims – is any act or omission intended to result in a financial insurance benefit for an injury that is nonexistent, exaggerated or unrelated to any accident that would be covered by the policy. No matter what the circumstances, personal injury insurance fraud is a crime.
Personal injury insurance fraud can be “opportunistic” or “premeditated”:
Opportunistic personal injury insurance fraud – most commonly an inflated claim. Examples:
Such cases usually necessitate extra medical visits and medical examinations, thus adding to the societal cost of this crime.
Premeditated personal injury insurance fraud – when someone devises a way to make an insurance claim. Premeditated fraud often involves some extreme action. Example:
This kind of fraud also has related financial and human costs, as unsuspecting victims of staged car collisions often suffer very real injuries.