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... company write primarily Private Passenger Auto, Workers Comp, Commercial or E...ure loss ratios of 283% for General Liability and 973% for Auto Liability. Has there been any negativ...

...edical payments for you and your passengers, regardless of who is at fault. &...iness insurance offers property and liability coverage whether you operate fro...

... $2 ,000 per client referral. Most staged-accident rings are highly organized and controlled by an attorney or by one or several individuals closely associated with a law office or medical clinic. The rings tend to operate in similar patterns. The stager/capper handles the actual planning and details of each collision. He or she arranges the participation of other individuals to become players-that is, the drivers and passengers of vehicles involved in the phony accident. The stager/capper often provides actual scripts or information sheets complete with every detail of the accident. They include diagrams of the supposed accident scene; the names, addresses, and seating positions of the players; the insurance company information; how, when, and where the accident supposedly occurred; and the alleged drivers' driver's license information. The ... their information to the Highway Patrol. A second type of staged collision is called a paper accident, ' and can be accomplished in 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 intentionally inflicted to make it appear as if the two cars actually collided. This is accomplished by simply taking the two cars and crashing ...