subject: Avondale Auto Glass: Viewing Clearly Through Auto Glass Scams May Not Be As Simple As It Seems. [print this page] In the prior issue we introduced you to the confusing world of windshield replacement scams. (To review the previous article, visit http://www.suntecautoglass.com/city-sun-city-west-youngtown)
In this post we will exhibit to you some of the normal ways crooks approach drivers in an attempt to make money off your insurance policy, and subsequently, from the increase in your premiums. Also mentioned is what has been happening to some of the crooks who haveperformed such scams.
In Part 3, the subsequent article, we will examine incentives, both honest and dishonest ones, the impact the fraudulent windshield replacement actions have on our overall--and your personal--economy and how you can identify and safeguard yourself when you are approached with becoming a participant in such scams.
There are more ways to execute windshield repair scams than probably any one of us could think of. Windshield replacement scams are aimed at defrauding insurance companies and have involved both large and small glass replacement or repair, and also car rental companies.
It may seem hard to know the difference, sometimes, between sincere companies offering incentives as sales promotion or discounts, and dishonest companies offering gifts as a form of enticement or bribes to get the ignorant driver personally involved in these insurance fraud schemes. Windshield replacement scams can be rather uncomplicated to spot but call for a Minor imagined and judgment on the part of the consumer.
The crucial to avoid becoming a victim of this sort of fraud is in consciousness of forms of scams being accomplished, the ramifications of being involved in a scam operation, and knowing how to clearly discern the distinction between trustworthy offers and dishonest ones.
Some common Auto Glass Scams We Can See in Glendale and Any City, Any Day
Here is a typical situation any of us can see. A motorist drives into an automated car wash to clean up the car. Someone there, while the motorist is waiting his or her turn, approaches and offers to fix a rock chip in the auto glass. The person, often referred to as a auto glass harvester, explains that they can repair the crack at no cost to the driver because the state regulation on insuring auto glass allows for auto glass repair or windshield replacement with zero dollar deductible; therefore, the repairs can be done free of charge. The scammer then asks the motorist for his insurance policy number and information for billing.
As an incentive for the motorist to unknowingly partake, he or she may be offered free of charge dinners for a year at a well-known local restaurant, a freezer full of steaks, a cash rebate of what would be the insured deductible, season tickets to the ball game, or some other offer which may well total far more than the cost of a new windshield! The driver gets a receipt for the auto glass repair (maybe $25 for multiple chip repairs) and the insurance company gets a bill for hundreds of dollars for a new windshield replacement. In fact, the insurance company can receive claims again and again on the same policy account number without anyone ever knowing it, unless the policyholder happens to check.
The Accidental Windshield Repair
A Version of this windshield repair scheme is that the basic repair is started but an accident happens which totals the windshield. For instance, while a little repair hole is drilled to aid the repair by stopping the spread of a crack and, woops, the drill penetrates the internal laminate. Its the laminate layer that gives safety glass its shatterproof characteristics. when this happens, the integrity of the windshield is destroyed and the windshield safety glass is ruined. Now, there is no option but to completely replace the windshield. That form of replacement likely turned over to a fly-by-night company that does the work in a cheap, shoddy, sloppy manner with cheap materials by someone who does not possess the necessary skills. This combination causes the driver ongoing problems with a windshield that was not needed, improperly installed, and possibly not even wanted.
Is the address on your bill or claim the same one where the work was done?
Another illustrated method came through one convicted Louisiana con artist who was billing insurance from a street address in a rural Mississippi town. The address was a house address and the homeowner knew nothing about the company or the fact that his address was being used as a place of business for windshield repair. The reason for this is that reputable glass shops in rural areas are encouraged to bill the insurance company more for windshield replacement than would be allowed in more densely populated and more competitive urban areas. This illegally increases the revenue taken from the insurance company by hundreds of dollars per window.
Some might think or say, Whats the difference since the work was free? The difference is that the scammer stole money not only from the insurance company, but also from every one of the companys policyholdersthose who really foot the bill through their insurance premiums. If an offer sounds too good to be true, it probably is. Nothing is for free.
More to come in the next issue
In the next article, the third in the series, our discussion will focus on another unusual approach that can affect those who rent cars, the widespread impact of these scams and how the prosecution of this crime can affect the driver. We will also provide you with things to watch for and several tips on how you can keep yourself safe from those who would take your money in needless repairs.
