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The Great Insurance Rip Off Car insurance companies are omitting vital elements of their insurance package which previously came as standard without highlighting the fact to customers in their renewals.

This is an attempt by the insurance companies to increase revenues in light of a surge in the number of fraudulent claims being made. This is backed up by research conducted which suggested that one in twenty young drivers have successfully faked an accident in order to benefit from an insurance payout. It is believed that this is costing the insurance industry £16 million ($26 million) every week in the UK alone.

The additional expenditure is ultimately being recovered from other motorists in their insurance policies, with the AA reporting that the average driver is now paying 40% more for car insurance than they were 12 months ago. This is on top of the omission of previously standard additional features on policies such as breakdown cover and legal protection.
Fraudulent claims Simon Douglas, the director of insurance at the AA, has claimed that fraudulent claims are one of the primary reasons behind the recent car insurance price inflation, blaming organised "crash for cash" scams for ripping off thousands of insurance customers. Mr Douglas commented that this is a "deeply worrying" trend, and that it is putting people's lives at risk for no reason other than financial benefits.

It is being claimed that the blame for this social trend can be firmly placed on the door of personal injury claims lawyers. This is the view of Mr Douglas who believes that the "fast growing black market" for personal injury claim lawyers who actively encourage people to claim for even minor incidents are a large contributory factor towards the fact that fraudulent claims are becoming a social norm for an increasing large chunk of society. The number of personal injury claims being made has increased by 70% in the past decade according to the BBC.

This is a viewpoint which is shared by Graeme Trudgill from the British Insurance Brokers Association (BIBA). Mr Trudgill believes that the increasingly aggressive marketing techniques which are being used by personal injury claims lawyers are responsible for the 400,000 whiplash claims which are made in the UK each year. Although this is technically not illegally, Trudgill believes that it is encouraging motorists who have not been injured to attempt to make a claim in order to benefit from an insurance pay-out which classes as insurance fraud.
Insurance merry-go round The car insurance companies may be far more to blame for this than they are letting on. Whenever a policy holder is injured in an accident and makes a claim, the BBC believes that the insurance companies are forwarding on the claimants details to personal injury lawyers who act as middle-man, representing the claimant in any subsequent legal case. It is believed that the insurers are inclined to do this by the referral fees offered by personal injury lawyers, which can be worth as much as £900 ($1,460) per case.

However, this is quite a short sighted money generating act, with the lawyers ultimately demanding that insurance companies cover the costs of any compensation generated by the legal proceeding, as well as covering the lawyers own fees. This is being dubbed the insurance merry-go round, with insurers short term profit generating actually costing them money in the long run.

These additional costs are ultimately being passed onto car insurance customers, with the before mention increase in average car insurance premiums and omission of vital elements of the insurance packages being the result.

Moves are being made by the UK government to stamp out this behaviour, with Justice Secretary Kenneth Clark announcing plans to ban the advertisement of 'no win, no fee' legal services in the UK. However, this is only going to have a limited impact, with calls being made to stamp out referral fees. Whether or not these calls are going to be answers, either in the UK or USA, remains to be seen.

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Liability coverage is the base of any auto insurance policy, and is necessary in most states. If you are at fault in a road mishap, your liability insurance will shell out for the bodily injury and property damage expenditures caused to others in the road mishap, including legal bills. Bodily injury expenditures include hospital expenses and lost salaries. Property damage expenditures pay for the fixing or replacing stuffs you damaged.

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