Dishonesty is a great problem of our days. No need to let it spread to your life on the road. Most insurance scams are directed from the insured at the insurer and not the insuree. You should remember that everyone is in the same boat here.

Everyone has the motive to take advantage of the system. An insurance company in financial trouble draws upon its customers to guarantee it. And on a more specific level, for example, rising stealing or accident rates in your neighborhood make you look like a higher-risk. Now that you have a personal incentive to keep a vigilant eye, look out for some of the more common scam.

It is easy to take advantage of those simplistic, one-size-fits-all laws we have. Everyone knows that any rear-end collision is pretty much always the fault of the rear car. It's not hard for an opportunist to scan the roads for a Mercedes to fill his rearview mirrors, slam on the brakes and file a claim. The "victim" may also go off after the accident to assail additional damage. He may later claim more passengers were injured than were even in his car at the time. One example might be a merging situation in which the driver signals his intent to willingly yield to give you the right of way. Then he speeds up, a sideswipe occurs, and when the police arrive, he denies ever giving you any such signal.

Possibly easiest of all are paper accidents. There the cost of accidents are simply excessive on paper or fabricated altogether. Trespassers typically keep claims under $1,000 and insurers would be less appropriate to investigate.

If carefull driving doesn't work, then in any occasion, the smart move is to document the responses, driver's licenses, and plate numbers of everyone and everything, take a photo or two if you have a camera handy, and call the cops right away. If the other guy wants to lie, make him lie right there, sudden, for the official record, to the face of the law. If anything comes up, it will be easier to fight it then.