Moon-Baker Agency

130 E Main St
Ada, OK 74820

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Moon-Baker Agency Blog

Don’t Let Fender Bender Fraud Happen to You

Some people aren’t honest and are only out to make a buck. Protect yourself from being their next victim by having the upper hand and knowing how to respond in the event of a fender bender. 

1. Take Pictures

The beauty of most people having a smartphone is that you don’t have to worry about always having a camera in case of an accident. No matter if you agree to pay out-of-pocket expenses or agree there’s not enough damage to worry, you need to pull out your phone and start taking pictures. Take pics of the person’s license and insurance information. Snap a few images of both cars from all angles. Make sure there are pictures of the people in the accident as well, so nobody can claim injuries that couldn’t have arose from the accident. 

2. Document What the Other Party Says

Make a mental note of everything the person says after the incident. If the person says he or she is okay, make sure you write a note or keep it in mind if you have to appear in court or speak to the insurance company. If the person says the only problem is his or her hand, make a note of that as well. It’s not unheard of for a person to add injuries to the list to receive more money. Always take into consideration the extent of the incident as well because the person may make up issues that aren’t even possible. 

3. Contact Your Insurance Company

You have a responsibility to turn in accidents anyway, but your statement to the insurance company can be enough to protect you against fraud. 

Moon – Baker Insurance Agency, Inc. is available to protect you against fraudulent claims. All you need to do is request a quote today.