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... 4/30/2013 12:00:00 AM by CompleteMarkets Editor , Susan Clark This content has not been rated yet. What's an airbag? Well, it depends on your point of view. If you're a typical consumer, an airbag is simply an auto safety device. If you're less than honest, an airbag is an opportunity to defraud. Since airbags were introduced several years ago, a number of different schemes have cropped up, ' demonstrating, once again, the ingenuity of the fraud perpetrator. One of ... neatly sidestepping the usual high cost. A second up-and-coming scam is employed by other unscrupulous body shops. These shops keep a stock of exploded airbags on hand. They use an exploded bag to temporarity replace the unexploded bag from a car that has been towed in for repair, and then claim that it had been deployed in the accident. Once the claim has been approved, the original unpopped bag is put back and the popped bag is returned to the shelf, ready to use again. A third airbag scam involves using inappropriate ... parts. Airbags are designed to be compatible with the size and weight of the car. Some shops simply replace deployed airbags with whatever type is available, which may be either too heavy or too light for the car. Copyright, The John Cooke Fraud Report. Login or Register (for FREE) to gain access to thousands of other great articles. Need more reasons to join? Need insurance for you, your business or your family? Get quality appointments - Save yourself a whole lot of time & money when you use ...

...e. They may fib a little to reduce Auto insurance premiums or try to 'get a li...w the owners and estimators of local repair shops. When a new repair facility opens, alert your adjuster to make an appointment with the new shop for a get-to-know-you visit. Photo...

...l consumer, an airbag is simply an auto safety device. If you're less than hon... the size and weight of the car. Some shops simply replace deployed airbags wi...

...rowing. Take, for example, the way autos are manufactured today. Rather than b...ort time later, the insured was in an auto accident that required several weeks for the repairs to be completed. When the custome...

...ther example is when you insure an auto parts wholesaler. This can lead you to...rvice stations, collision shops, and repair operations that they supply regula...

... worldwide. &# 160 In whatever form, insurance addresses risks and how to control your exposure to loss effectively. Insurance is a means to an end-a way to help ensure that you have sufficient resources to survive the financial crisis that could be caused by fire, auto accident, lawsuit, health problem, or drop in income. By covering your exposure to risk, you minimize the financial damage you might suffer. &# 160 Insurance works by spreading the risks of an individual-you-among many individuals. The chances that everyone in the ... , your family, and business. &# 160 Driving Coverage for Your Automobile &# 160 Automobile insurance protects you, your family, and your vehicle in the event of injury or damage resulting from an array of occurrences. Your policy will cover the cost of repairs or replacement and furnishes protection against personal liabilities. Your independent agent can tailor a policy that meets your needs and provides several types of insurance coverage, including: &# 160 Liability. Covers injuries and damage you cause to other people or their property while operating ... #160 The Independent Insurance Agents of America is an association of 280,000 agents and agency employees nationwide who bring value to clients by offering the best combination of coverage, service and price. IIAA members represent many insurance companies and, as a result, can shop for policies that best meet their client needs. Because we are not tied to a specific insurer, we also serve as advocates of our client's interest. &# 160 Your life will most likely differ greatly from your mother's, just as her life differed from ...

...isis that could be caused by fire, auto accident, lawsuit, health problem, or ...inancial statements, the lease on the shop, and her business ledger showing sa...

... the salesperson responds, a relationship develops that ends in making more sales. 3. Customers expect single-source service. Time is disappearing. As it becomes more scarce, a discernible trend to avoid unnecessary coordination of services is growing. Take, for example, the way autos are manufactured today. Rather than buying parts and assembling the components, modern companies purchase the components after assembly. Seats are bought this way, for example. This type of dramatic change is taking place in businesses of all sizes where the goal is to simplify ... the sale. It doesn't take customers long to figure out what happened. Once they discover they've been tricked, they'll go elsewhere. The insurance agent won the account. A short time later, the insured was in an auto accident that required several weeks for the repairs to be completed. When the customer rented a car, the insurance agent rejected the rental bill, saying, I didn't know you wanted that coverage. It was clear that the insurance agent gave the customer basic' coverage to get the account. At renewal time ... the customer changed agents. Should the customer have read the policy coverages more thoroughly? Of course. But most of us look to the salesperson for help in making the right decisions. Candor does as much as anything to establish a salesperson's credibility, and it results in customer confidence. The superior salesperson recognizes the need to win the customer, not just sell the customer. Login or Register (for FREE) to gain access to thousands of other great articles. Need more reasons to join? Need insurance for you, your ...