How do I know if my insurance company is looking out for my best interest?

Will my insurance company fight for me if I am getting scammed? Is my insurance company getting duped? I was in an accident the other day where a driver cut me off and then suddenly slammed on their brakes. The driver said the car in front of them stopped short but that car just took off when the accident happened.

Answer provided by
Shannon Martin
Answered on Jul 06, 2021
Shannon is an expert in personal lines liability insurance with 13 + years of insurance industry experience. She also served as a special insurance liaison to AARP members for 6 of those years. She is a graduate of UL Lafayette and currently resides in NY with her family. Shannon is also an amateur juggler, ukulele player, and is a time travel paradox theory enthusiast.
“What you are describing does sound like a popular staged car accident maneuver called the swoop and squat. It involves two other cars working together, with one cutting you off and the other slamming on their brakes to force an accident.
In these types of accidents, the other driver can claim whiplash in order to get a high bodily injury liability payout. Whiplash is hard to disprove and can have a high payout for pain and suffering.
Insurance carriers take fraud very seriously. Fraudulent claims cause the rates for all policyholders to increase.
I suggest contacting your claims adjuster and letting them know of your concerns. They will want to take a closer look to confirm or deny an insurance scam before any payments are issued.”

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