Auto Fraud: Who’s in the passenger seat?

An insured driver was allegedly rear-ended by another car. Both the insured driver and his passenger sought PIP benefits under the insured policy. An investigation revealed valid insurance in force for the at-fault vehicle, negating the PIP claim; plus no medical charges were ever presented.

Additionally, ISI found the passenger provided fake ID to police officers when the report was filed, as she had an active warrant for her arrest. Thus the passenger, who claimed to be injured in the accident, wasn’t actually in the vehicle.

The investigation led to a policy underwriting review, and a rescission of the policy was confirmed. Savings: $5,000.