The ugly face of the fight against fraud.
Fraud is a dirty Five-Letter Word. Everyone knows what it is, but they hide in corners scurrying bugs, as if the topic. The truth is, fraud happens every day all around us, no matter what the segment of work, or what the industry, we are in
Identity fraud, fraud, tax evasion, fraud credit card, medical care fraud, corporate fraud - it exists in all aspects of our lives, and if you believe it or not, we all pay.For the collision repair industry, fraud is a gangrene which is nagende in industry and its reputation inside. The insurance of any type of fraud - not only what happens in the collision repair industry - cost Americans $ 120 billion per year - or $ 950 per family - a year, as the coalition against Insurance Fraud. According to the National Association of Independent Insurers (NAII), 25 cents of every dollar that consumers pay the premium to cover costs for fraudulent claims.
Disappearing franchise
“Burying” or “hide” a franchise is one of the most frequent problems of collision, the workshop. It was almost as long as insurance, and as there is a problem, because today, for two reasons : Ungeschulte consumers and competitors willingly perform illegal and unethical business practices.
Mrs. Smith’s burial deductible collusion between the workshop and insured against the insurance company. It is illegal in many countries and is punishable by a fine of thousands of dollars, and prison sentences. Consumers - because of their contractual agreement to pay the first $ 200, $ 500 or $ 1000 for repair - are often not understand the process, time and cost to repair a “small lump” this quarter Panel. They overlook the estimation and I wonder how repairs can cost more than a few hundred dollars.
In an attempt to make savings, the latter in the studio to ask for pro-rata basis, so that they are not to lose any Out-of-pocket money. Workshops, with compliance with the requirements of fraud, the insurance company to pay for the procedure is not completed, but not recover or OEM parts, if the assessment calls d ‘OEM, repair panels, rather than replace, and many times, creating additional damages to cover the cost of proportion.
Transactions in these unethical business practices tend to do more than just deductible. They also often produce additional funds for fraudulent acquisition of a victory in itself. Nobody wins in this situation: The insurance pays full price for a work that has been partially achieved, and this loss is the consumers higher premiums, and the client believes it is in the Deal has now potentially a vehicle dangerous because it is not properly repaired. The value of the car or truck fell (and damaged the vehicle may be more, as it was initially). Finally, if future problems, the consumer has no recourse against the insurance company or workshop.
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