The theft of cars, buses, vans, trucks or trailers is one of the most common crimes in several countries in Latin America and is also one of the main causes in insurance claims, whether fraudulent or not. While in the past thieves of cars, also known as first, often forcing the victim to enter the unit to divest their things, today, they use methods more difficult to detect; no broken Windows, simply disconnect the internal alarms from the auto and flee from the scene with him. In almost all jurisdictions State Mexican, auto theft is an offence punishable with imprisonment, due to the economic and emotional anguish caused the victim. But what happens when the owner of the car is the same thief? Here you describe the most common ways in which people try to deceive insurers. Some of the most common frauds regarding auto insurance are: destroyer owner. Refers to when the owner of the car it pretends to theft and then destroys the car to be able to collect the money to the insurance company.
Normally the cars are found in isolated areas, burned or badly damaged (submerged in water or buried in the ground). False repairs. Owners whose vehicles in need of repair, sometimes trying to defraud the insurance company with special repairs to 30 days. Normally they reported that the vehicle was stolen and hidden for a month, long enough for the insurance company to resolve the claim. Once paid the claim, frequently the car is often abandoned. Fraud in export. After getting a bank loan for a new car, the owner gets a car insurance policy and advises that the car was stolen, but actually going way to another country to be sold on the black market, Seaway.
The owner seeks to pocketing the money the insurance company and the sale of the car. Ghost cars. The individual creates a false record to ensure an auto insurance that does not exist. Then he raises a complaint for theft the auto and a fraudulent insurance claim. In this scheme can fit antique or luxury cars that produce greater value in terms of payments by the insurer. However, some cases of theft are genuine and for those victims, there are a number of available antitheft devices, e.g. alarm systems and the steering wheel lock devices. Finally, it considers that seek an easy way of making money may seem more tempting than ever in this difficult economy, but saving and the search for cost-effective insurance options are much better ways to get cheap car insurance. In Siseguros we are a company with over 20 years of experience in the insurance business. We offer insurance policies from several companies in Mexico. We have several of the most prestigious insurers of vehicles in the country.