Scottish Car Insurance Fraud

According to the Association of British Insurers (ABI), fraudulent car insurance claims cost about £600 million each year, which adds £30 to the average annual car insurance premium of £400. However, the worst part is that it could be avoided if those insured would stop making fraudulent claims against their car insurance.

A survey said that tens of thousands of insureds say that they would lie to get a payout from their car insurance. The survey showed that 5% said that they would lie until the pressure became too intense. Although the Scots are better than the rest of the UK, as they came in at 26% willing to lie for a payout, it is sad to show what a state the UK is in according to the survey. One of the biggest things they were willing to lie about was if their car was stolen, and they had left the keys in it, they would lie and say they had not. Obviously if the car is recovered, it is quite easy to tell that the insured had been lying.

Car insurance fraud has been gradually increasing over the years, with false claims coming from those who are normally law abiding citizens increasing the most. They say that one of the biggest lies is from rear end accidents, where they say they have whiplash, etc. – which is very hard to prove false in court. Then there are those who leave out certain facts to get money, thinking that they are not actually committing fraud, when in fact they are.

Car insurance fraud is a criminal offence, and the government has set up a special Insurance Fraud Bureau that will focus on fraudulent car insurance claims, as well as the increase in organized fraud. They say that by trying to head off a disturbing trend in the process they are hoping to save those that are honest about claims millions of dollars a year.

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