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The Insurance Scam That's Fleecing Low-Income Drivers -- And How Police Are Making It Worse

Business  (tags: auto insurance, police, the poor, scams, fraud )

- 1398 days ago -
"They're towing your car". The leaflet, placed where her 2004 Ford truck had been parked, explained that Martin's vehicle had been towed as a result of auto insurance fraud; it also listed a number for her to call.


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Roger G (148)
Monday May 25, 2015, 2:11 pm
noted, thanks

Animae C (507)
Monday May 25, 2015, 5:47 pm
Same old, same old! *sigh*

Athena F (131)
Wednesday May 27, 2015, 12:01 am
thank you

Roberto M (88)
Wednesday May 27, 2015, 8:49 am
Thanks for sharing this post

Sheryl G (359)
Wednesday May 27, 2015, 9:59 am
Well if this doesn't get the smoke to come out of your ears I don't know what will. This is an ugly can of worms. I had something similar happen to me but it was life insurance we were paying on my husband. I had life insurance through my employment but my husband, being self employed didn't.

We had a nice looking mailing come to the house and I talked it over with my husband and said you know, if I die you are going to have some monies to help you get over the loss of my income, however if you die, I don't so we called the phone number and two Representatives from a reputable insurance company showed up. I asked for ID's, they had those, they had pens, policies, brief cases, all with the official insurance company on it.

Well to make a long story short, they also were two thieves, that sold polices that were not underwritten by the actual insurance company. Years later I received a telephone call from a Detective that was tracking those of us who had been scammed by these people......but at that time, my husband had cancer and he did die from it. So what I thought was going to help our family in life insurance wasn't there, and my poor husband knew in his final days that we were going to have it rough as we thought for sure I'd have this to tie me over for awhile.

Not only did was I grieving the loss of my husband and my two children were still minors and so I had them to care for in their grief, but I had to sell our home in order not to loose it as I couldn't keep it without his income or the life insurance. While I should of been able to be by his side, during his end days, I had to make sure house was presentable for showing, help with homework, and then it sold about a week before he passed on. Then I had to start packing the day after his death to move.

There is so little protection in this Country anymore and we the victims get holding the bag. At least I didn't get old I was also in on it. My goodness what is wrong with this Country! I felt so badly that woman having to admit guilt to get her car so she could drive her 4 children to school or where-ever they needed to go. Now she has a record, which hurts one applying for jobs or even getting a place to live.

I had placed a video on that John Oliver did concerning this forfeiture of one's property and one doesn't even have to be guilty nor proven guilty. They just grab it and it's up to you to fight to prove that your innocent and even at that, one might still never get back their property or have to pay big money to obtain it. This is a hard Country to live in......always someone to fleece you or kick you when you are down.

Sheryl G (359)
Wednesday May 27, 2015, 10:01 am
typo...At least I didn't get old I was also in on it. It was suppose to read told not old.

Janet B (0)
Wednesday May 27, 2015, 12:42 pm

Birgit W (160)
Wednesday May 27, 2015, 1:58 pm
What a heartbreaking story. Instead of helping the people, the police seems to support the criminals of the insurance fraud.
Detroit is also the city where they just cut off the water for their people.

Sylvia W (18)
Wednesday May 27, 2015, 1:59 pm
Poor woman, she has been ripped off all along.

Joanne D (37)
Wednesday May 27, 2015, 2:23 pm
This is certainly something that is tough to protect against, because there are legitimate insurance agents who work for or with one company, or with several companies, and much legitimate insurance is marketed this way. It's not like, if someone calls you claiming to be from Microsoft or the FBI, you know it's fraud, because neither Microsoft nor the FBI will call you out of the blue. One possibility of course, is dealing with the company directly, rather than through an agent at all. Another is, if your state, like mine, has a database of genuine insurance agents, looking the agent up in that database and checking his/her record.

And - I'm joking here, but only half - everyone should have a friend who either works in insurance or has retired from the insurance industry and will help you navigate the pitfalls. Both underwriters and claims techs are trained researchers, and no one likes to have their profession made to look bad by crooks

Bonnie Lynn M (1)
Wednesday May 27, 2015, 6:07 pm
What a sorry situation. I feel so bad for that woman and all the others that have gone through this.

Colleen L (3)
Wednesday May 27, 2015, 8:45 pm
Disgusting how the so-called good guys end up being the real As*holes. May they rot in hell for causing this woman and so many others to suffer. Thanks Judy

Janet B (0)
Thursday May 28, 2015, 1:04 pm

Judy C (91)
Saturday May 30, 2015, 10:30 pm
Thanks for sharing your history with us, Dandelion. I'm so sorry you and your family went through such a terrible and senseless ordeal at that very difficult time for all of you. That's just sickening.

The more people talk out about these scams, the better informed everyone can be. There are crooks at every turn ready to exploit people, and especially those who are least able to afford it. These are truly the bottom-feeders. I can't get over the fact that the police, who are supposed to protect the public, are right in there ripping people off too! Maybe I'm naive, but I always thought there were just a small miority of police who are bad, but at least in some cities, it seems like they are about all corrupt. Civil forfeiture is a practice that just encourages corruption, and it should be abolished.

Thanks for your comments, everyone. Joanne, that database of legitimate insurance agents in your state is a good resource.
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