Possible Signs That Give Fraudulent Insurance Providers Away

a key for an auto on top of an auto insurance policy

Having your vehicle insured isn’t just a personal choice anymore but a legal requirement. As a matter of fact, in the state of Illinois, you’re required to have both body liability and property insurance for any vehicle. This gives you more reasons to be wary of possible fraudulent offers from unauthorized companies or questionable agents. That being said, here is a short list of signs that can help you differentiate fake insurance providers from genuine ones:

You Insist on Your Own Doctor and Lawyer

Most likely, you already have your own doctor and lawyer before your search for an insurance provider in Harvey, Illinois. Reputable and trustworthy vehicle insurance companies will respect your choices and keep them in their records once you’ve decided on a policy. Watch out when they require you to use their own medical or legal connections. There have been cases where doctors would offer to report injuries that didn’t happen in order to get larger medical fees. They may even offer you a cut, but this is clearly illegal and can get you into trouble.

You Feel Bullied

Salesmen can be pushy, and this comes normally for them. After all, it is part of their skill set. However, there is a thin line between salesmanship and aggressive insistence. As mentioned earlier, an insurance agent should not push for the use of their own doctor and lawyer. The same can be said about signing any contract immediately. It doesn’t matter if it’s for the sake of a certain discount or special offer attached to the policy. You have the right to study all the details before you commit to anything. The age-old adage of, “If in doubt, don’t,” is very applicable here.

They Receive Negative Customer Feedback

It should come naturally for all consumers to do their research before they actually sign on any dotted line. It’s fairly easy to do that these days, thanks to search engines, online posts, and client reviews. Aside from looking up all the websites and social media accounts of finalists, check their customer ratings and comments.  Ask friends and family members about possible negative experiences. Finally, you can ask the company itself regarding their history and satisfied clients so that you can counter-check the validity of their claims.

It’s Just Too Good to Be True

a couple reading a document being shown by an insurance provider representative

If it’s too good to be true, it probably is! This popular quote has saved many from getting involved with scams and fraudulent offers. If an insurance package that you’re being presented to has incredible but suspiciously low prices, watch out! Even if they show you legitimate documents and licenses to prove that their affordable costs are justified, walk away. It follows that their low costs will affect the quality of their services so that they can still make a profit.

It’s only normal to aim for the best services in the market, but you need to check any company that claims that they can offer that to you. Admittedly, disreputable insurance companies and agents are getting better with their craft, so you will need to always be careful and vigilant. After all, it’s your right as a customer to make sure that your hard-earned payments will benefit you and your needs.

About Faye Gonzales 1650 Articles
Meet our chief explorer, Faye Gonzales. With over a decade of travel experience, Faye is not only a passionate globetrotter but also a loving mom who understands the unique needs of family travelers. Her insights into family-friendly destinations and travel tips make her a trusted guide for parents seeking memorable adventures with their children.