Posted: Mon Dec 24, 2007 3:21 am Post subject: Something to think about before commiting fraud.
What will your spouse, kids, brothers, sisters, parents, aunties, uncles, cousins friends, family, boss, co-workers, landlord, shopkeepers, and neighbors think about you when it comes out that you committed insurance fraud? Whenever you burned your house down, left your car on a railway crossing, or pretended to be suffering from the latest disease.
That just crossed my mind a second ago, I wonder how many fraudsters have been completely alienated by everyone that was close to them? If someone in my family was to pull this kind of thing, I'd probably kick them out of my private life for good.
Your thoughts? _________________ I have a new personal crusade. I'm going to hunt down the people who have strong opinions on subjects they don't understand. Then I'll bop them with this cardboard tube.- Dogbert
I ain't a legal expert, take what I say with a grain of salt.
Hey Lori, Merry Christmas Eve
Here's something along those very lines, but with a twist.
I've been investigating the Americo Investment and Life Insurance Company for a few months now and have actually found a father-daughter team of agents who have violated the state insurance code as well as IRS regulations in at least a dozen different cases.
Being an agent for quite some time, the father obviously took it upon himself to train his daughter in this way. My question is therefore; What's worse? The family who learns to defraud an insurance company or the family who learns how to misrepresent the terms and conditions of policies?
Although the first bunch could contribute to an increase in premiums, the latter could potentially harm a larger number of policy holders to a much greater degree. _________________ Please feel free to go to my website at www.markcolbert.com or, if you have a specific question, you can email me directly. I hope I can answer any questions you might have. If not, I can certainly find an answer right away.
Posted: Tue Dec 25, 2007 5:56 am Post subject: no bounds..
A Merry Christmas to all of you!
Quote:
Whenever you burned your house down, left your car on a railway crossing, or pretended to be suffering from the latest disease.
These are quite the familiar ones. How about the doctors joining hands to commit insurance healthcare frauds. Didn't we all start believing that doctors are saviors!!!
How about these healthcare units asking you more about your insurer & your policy at the time of admission than what your medical treatment is going to be!
Well, people's greed do not have any leaps-n-bounds it seems!
CarlaJones84 _________________ Register Now to have your Insurance queries solved.
Gosh!!! Scams seem to be running in the vein of the insurance business. Policy holders, agents, insurers all are scamming others. IMO, it's more important to understand its impact on the global insurance scenario than considering the isolated cases.
Insurance frauds can no longer be considered as the small and petty crime. Scammers now operate in the most advanced and organized form, involving entities like-health care units, lawyer's office, business giants, body shop owners and so forth. The incidents ain't rare where a doctor is ready to write a false certificate for the bodily injuries…..mechanics ready to inflate the repair bills in order to skim more money from the insurer.
It seems that dishonesty have engulfed the whole society. And the law enforcement authority's inability to unearth most of these events is allowing the fraudsters to go scot-free with their booty.
MERRY CHRISTMAS ALL!!! _________________ Register Now to have your Insurance queries solved.
My question is therefore; What's worse? The family who learns to defraud an insurance company or the family who learns how to misrepresent the terms and conditions of policies?
Personally I would think the latter. As they have the potential to reek more havoc on the innocent unsuspecting. And a wider swath of ''personal'' damage...
TsunamiJones and CarlaJones84 awesome observations ! Albethey sad commentary on todays society!
It really irritates me to see someone pretending to be sick, I just watched a friend who went through 5 years of chemotherapy and passed away this summer, she would have given anything for one more day, even as sick as she was.
The SSI seems to be a family tradition in my parts, usually they will all live in the same household and start collecting for the child at a very young age, one guy around here refers to it as his pension. If I had to live on that pension I would be broke, no ambition and they pass that mind set on to their children. sad but true.
I agree dreamer as I said, unfortunately these ''types'' seem to learn at the knee of mama and daddy.... _________________ Have you been helped by a poster? Do you want to show your appreciation? YOU CAN !! Just simply click on the donate button and send them some coin!
Not that it is right, but, most of you know, most of the insureds don't know they are committing fraud when they ask the shop to save their deductible, or repair a damage that was not part of the accident. Many just feel it is owed to them because all the years of paying for their policies. It is further beyond their perception of “fraud” because they may only have one or two accidents their whole lives, and really not know any better. _________________ -- Jake
I agree Jake, some are 'innocently' commiting fraud or although they know deep inside it's fraud there is a sense of 'entitlement' (which makes me crazy) you also know there are those customers that will shop a shop till they find one that will do the wrong thing, and unfortunately (for you and other shops with character) there are too many shops willing to commit fraud and THEY know better.... _________________ Have you been helped by a poster? Do you want to show your appreciation? YOU CAN !! Just simply click on the donate button and send them some coin!
It seems as if there are people out there ready and willing to commit fraud on any basis, car, health, home and compensation. I know a lady who is a retired school teacher, she said that her student's parents were sending in the social security insurance forms for her to evaluate and sign. She said that after a while that she stopped doing it, that these parents were not using this money towards these children and that alot of these kids were very capable of learning, just chose not to at a very young age and continued the cycle through out life. Once they were old enough, they would apply for the adult SSI, this is one of the most abused benefits ever, here in Pennsylvania, when they started cracking down on the welfare system, it seems everybody ran to the social security office. What puzzles me is that you don't just walk in and say you want it and get it. You have to have alot of proof that you are disabled, now either there are alot of smart people knowing how to fraud the system or the other areas and professions that are in the world of "people care" have caught on to the game too.
Our community guidance center will help an individual file for social security benefits, now if you think about it, if the person is a good actor, or just has a family tradition of these behaviors and they go in there, well the same doctor is treating mom, dad, uncle bob, aunt sue and whoever else may be collecting a check, you are naturally next in line. You will eventually get your benefits, you will naturally have the health care needed to pay my office and what do you know, job security to me. I believe there are some legit cases, but I think if they would seriously evaluate these individuals as they do someone who has worked for 20-30 years and then has an accident or a health issue that forces them to be off work they would find the caseload going down. The social security administration, at least here, puts working people through the ringer when they need to file a claim and the majority of them are legit physical claims, where most of the ssi claims are mental. The mental health industry is making a killing off this, I bet if they started cracking down on this, the caseload would lighten up in a heartbeat.
It just sickens me when a couple will come in to our office, forced to come there by some agency, first words out of their mouths is they are disabled, We see some legit cases and we have some state agencies that take their jobs seriously and work to get these individuals work or training to go to work. Most truly disabled people want to work and don't want to be in that situation and will let you know that from the beginning.
I believe some people have jsut gotten into the mindset that if they get away with it then it is not fraud. While it was not insurance fraud I person I was in the military with was constantly commiting credit card fraud to make free phone calls. He did not see it as being wrong in any fashion at least until he got caught, he blamed it on cheap security in place for using credit cards.
And I think some people don't realise they are commiting fraud. I was sitting in a body shop waiting with my brother to get his car back after an accident and the shop asked a new customer we noticed some damage in this location would you like us to also repair it and the customer replied "oh that, yes it would be nice if you could fix it" the store said "no problem" and apparently included it on their repair estimate.
WE had these frinds that sued people every chance they got.The last time was the drs who tried to save their son't life.he died from a birum or something that went into his lungs and burned them. They sued 2 insurance company and tried one more.people like them scare me. Funny thing is they usually win their law suits. The man is on disabilty and still works.All fruads to me.
Just because someone is on disability does not mean they can't work. Granted if they are on 100% disability they should not be working. Just like different form of disability change your eligibility for the handicap placard. Disability is granted and awarded based on various factors and it is even possible to be considered disabled and recieve 0% which means they have a disability but at the moment it in no way inhibits working or imposes restrictive restraints.
I personally am 10% disabled for my knees and 0% for my back due to an on the job injury yet I still work full time.
Ok end rant on disability.
As to being sue happy, that upsets me also. I personally believe you should sue when there actually is an issue. There be a whole lot of suing going on.
avengerki Posted: Wed Jan 02, 2008 6:32 pm Post subject:
I believe some people have jsut gotten into the mindset that if they get away with it then it is not fraud. While it was not insurance fraud I person I was in the military with was constantly commiting credit card fraud to make free phone calls. He did not see it as being wrong in any fashion at least until he got caught, he blamed it on cheap security in place for using credit cards.
And I think some people don't realise they are commiting fraud. I was sitting in a body shop waiting with my brother to get his car back after an accident and the shop asked a new customer we noticed some damage in this location would you like us to also repair it and the customer replied "oh that, yes it would be nice if you could fix it" the store said "no problem" and apparently included it on their repair estimate.
Why do you believe the additional repair was listed on the estimate as part of the Insurance Claim?
Often repair shops will offer to repair *Other* damage ( Billed separately ) while the auto is in the shop in order to save the consumer from inconvenient down time that would occur if the additional repairs were scheduled on a different day.
Its not dishonest or crooked..!
Now if you heard the shop employee say he would cover the cost by adding it to an insurance claim..... then yep... that's dishonest *and* crooked..!
FK, _________________ Register Now to have your Insurance queries solved.
