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When the perpetrator of a traffic accident is not covered by mandatory liability insurance, he must pay the damages out of pocket. However, it is not uncommon to try not to do so, for example by trying to indicate a different time in the accident statement than the one that actually occurred.
“Last year, approximately one fraud of this type was recorded every three days: 109 cases throughout the year. The actual numbers should be even higher, as they are just statistics from our company. We noticed an activation especially after the introduction of This was probably due to the fact that people, who spent more time at home and sat behind the wheel less frequently, did not renew insurance contracts and felt that the risk of suffering a traffic accident only after leaving home for a while is low, ”says Andrius Žiukelis, Head of BTA’s Experience Department.
Pity can make them accomplices
According to A. Žiukelis, when completing the traffic accident declaration, it is very important to bear in mind that the actual date and time of the accident must be entered in it. If the offender intends to complete the declaration on another date, this may be a sign that his mandatory liability insurance is not valid.
“Often in such situations, an uninsured driver starts to say that he does not currently have a driver’s license, registration certificate or other documents, asks to wait until he supposedly calls friends or acquaintances who should bring the document. And in fact They are negotiating an insurance policy, which is then brought in instead of “missing” documents, “says the expert.
There have also been cases where victims only realize they have encountered fraudsters when an investigation into the circumstances of the accident is launched. However, often the victims themselves feel sorry for the culprit, see nothing wrong in such situations or are afraid of not receiving the benefit at all if they do not agree to the conditions and the like.
“In a state of stress, people accept these conditions and get stuck in those schemes. Therefore, it is necessary to know that if an uninsured vehicle” enters “you, in any case you will receive an insurance benefit, so you do not you must give in to any provocation.
Another aspect is that you yourself may fall into the spotlight of law enforcement simply because of human compassion for the perpetrator. If a fraud investigation is initiated, you, even if you are a victim, can be treated as an accomplice and then the benefit will not be paid to you, ”says A. Žiukelis.
The lord of the rings is still alive
Insurers say that in the past, there have been slightly fewer cases of previously extremely popular past fraud involving traffic accidents especially caused at roundabouts. The authors of these schemes work in a variety of places, but their favorites are the roundabouts of the old signage. They usually operate in large cities using video recorders.
For the so-called “ring rulers”, or “hunters”, the situation is somewhat aggravated by the fact that many roundabouts have already been renovated, signposted, making it difficult to stage a traffic accident. If the order of traffic at roundabouts in Vilnius and other cities has changed for some time, then when entering them, it is necessary to choose the traffic lane according to the intended direction of exit from the roundabout. It is no longer possible to change lanes in a roundabout. For example, the renewal of the signage of these crossings in Vilnius has reduced not only the number of traffic accidents, but also the number of cases of fraud in special transport ”, says the interlocutor.
The desire of drivers involved in the traffic accident to seize the opportunity and renovate the entire car has not disappeared anywhere, so they are trying to include scratches, creases and previous breakdowns in the damage.
According to A. Žiukelis, the benefits are not paid blindly, they must be justified, therefore, all the circumstances of the event are reviewed and it is determined what possible infractions of the vehicle in such circumstances.
“Damage is verified manually and automatically, constantly monitored, artificial intelligence and data analysis are used. Insurance companies across Europe are implementing the most innovative solutions that automatically detect fraud cases. So those attempts to make money for their inventors fail, “he says.
Take your time and contact the officers
According to A. Žiukelis, in the event of a traffic accident, the most important thing is not to panic, think calmly and in a hurry, if there are doubts or suspicions, call the officials. It is very important to take immediate photographs of the accident site, the circumstances, the position of the cars on the road and in relation to each other, and the surroundings, so that the photos show road signs and pavement markings.
The behavior of the perpetrator of a traffic accident gives rise to suspicions of possible fraud. Trying to negotiate, lobbying, hiding something, not having a driver’s license, a roadworthiness document, vague phone calls when you want the conversation to be inaudible, unreasonable, and suspected of delays are all signs you need to be more careful about.
If the driver realizes that he is innocent and is still being charged, it is also a sign that something is wrong. Also, trying to take advantage of a stressful situation attacking you screaming, trying to get out of cancer, showing aggressiveness, pressure to sign something as soon as possible.
Our advice in similar cases is to try to react as calmly as possible, take a photo of the place and not sign anything, especially if the person is not sure of the fault. Call a family member or someone close to you to assess your story and situation from the sidelines and give you the proper advice on how to proceed. Or you can go to the police officers, ”advises A. Žiukelis.
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