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... Staged Accidents Work 4/30/2013 10:45:23 PM by CompleteMarkets Editor , Thomas Sarinana This content has not been rated yet. FRAUDBUSTERS: HOW STAGED ACCIDENTS WORK (AN UNDERCOVER PERSPECTIVE) by Thomas Sarinana Capping' the unlawful solicitation and referral of staged auto accident cases to medical providers and attorneys for a fee-is a violation of Business and Professions Code 6152 and the California Insurance Code. As an investigator, I've worked undercover and have personally been paid capping or front monies by people working on behalf of doctors' and ... different ways. In some cases, two people with their own vehicles conspire to report that they were involved in an accident together. Usually a capper has recruited these individuals and orchestrates the accident. One driver, usually the insured, will be at fault and will claim liability for hitting the other vehicle. The criminals commonly refer to the insured vehicle as the bull car' or the hammer'; the claimant car is the cow car' or the nail. The damage on the claimant car may already exist, or it may be ... legitimacy. In either case, the administrator is usually the person who processes the paperwork on the insurance claim and deals directly with the insurance company. The players in each vehicle usually claim soft-tissue injuries and receive or claim to have received extensive medical treatment (normally, physical therapy such as heat treatments) . Soft-tissue injuries are not visible on an x-ray and are typically diagnosed on the basis of the patient's complaint of pain. In my experience, claimants often don't receive the treatments the clinic bills for. I've seen many undercover operations ...

... __ percent (% ) to Employee, payable only on the first year's commission. D. The parties agree that the following definitions of the term will be applied to all Agreements among them: 1. "Personal Lines insurance" will generally be defined as Auto, Homeowners, and other types of Property and Casualty insurance handled by the ____ Agency Personal Lines Department. 2. "Commercial Lines insurance" will be defined as Buildings, Contents, Workers Compensation, Bonds, and other types of Property and Casualty insurance ... (iv) Employee Automobile. Employee shall, at his or her own cost and expense, procure an automobile for use in traveling about his or her designated territory and making calls on customers and prospective customers. Employee shall further procure and maintain in force an Automobile Liability insurance policy covering such automobile in the minimum amounts of $250,000 for bodily injury or death to one person in one accident, $500,000 for bodily injury or death in one accident, and $100,000 for property damage in one ... notice from Employer to cure such default; or (v ) Whenever Employee shall become disabled and the disability continues for a period of twelve (12) consecutive months. For the purposes of this Agreement, "disability" shall be defined as Employee's inability, through physical or mental illness or other cause, to perform the majority of his or her usual duties. (vi) Employer may terminate this Agreement without notice for fraud or misconduct on the part of Employee, or for the failure of Employee to comply with the applicable ...

... when he returned, his car was gone. The police dutifully took down the report and began looking for the phantom Rolls-Royce. The insured made a report to the Classic Car Insurance Co. and immediately, in response to its request, submitted a sworn declaration of auto total theft, making his claim for $100,000. Classic Car Insurance Co., as required by California law, maintains a special investigation unit (SIU) . When the report came in, a computer search was performed of Classic Car's other claims ... photographs he had taken at the dealership. Classic Car Insurance Co., taking his application on face value, issued the policy. Since the car was to be driven only 1,000 or fewer miles per year, the premium on the policy, including third-party Liability coverage, was less than $1 ,000. The insured financed the premium with a local insurance financing company and had to make a down payment of only $200. His first payment was due 30 days later. Two days before the payment was due ... rated yet. In California and several other states, before a car can be insured, the agent must photograph the car and its vehicle identification number. This regulation is an effective weapon against fraudulent auto-theft claims. But in one case, an insured managed to purchase Physical Damage insurance on a Rolls-Royce before the regulation was fully effective. His planning was flawless. He was thwarted in his efforts only because of the actions of a dedicated, thorough investigator. To start his plan, the insured went to a Beverly Hills classic automobile ...

... __ percent (% ) to Employee, payable only on the first year's commission. D. The parties agree that the following definitions of the term will be applied to all Agreements among them: 1. "Personal Lines insurance" will generally be defined as Auto, Homeowners, and other types of Property and Casualty insurance handled by the ____ Agency Personal Lines Department. 2. "Commercial Lines insurance" will be defined as Buildings, Contents, Workers Compensation, Bonds, and other types of Property and Casualty insurance ... (iv) Employee Automobile. Employee shall, at his or her own cost and expense, procure an automobile for use in traveling about his or her designated territory and making calls on customers and prospective customers. Employee shall further procure and maintain in force an Automobile Liability insurance policy covering such automobile in the minimum amounts of $250,000 for bodily injury or death to one person in one accident, $500,000 for bodily injury or death in one accident, and $100,000 for property damage in one ... notice from Employer to cure such default; or (v ) Whenever Employee shall become disabled and the disability continues for a period of twelve (12) consecutive months. For the purposes of this Agreement, "disability" shall be defined as Employee's inability, through physical or mental illness or other cause, to perform the majority of his or her usual duties. (vi) Employer may terminate this Agreement without notice for fraud or misconduct on the part of Employee, or for the failure of Employee to comply with the applicable ...