6 shadiest auto insurance fraud schemes

Windshield replacement rip-offs
Windshield replacement rip-offs © BhFoton/

A stranger approaches you at a parking lot and says he's with a vehicle glass company. He tells you that you need a new windshield, which he can provide free of charge if you provide your insurance information. Sounds good, right?

Well, it's probably too good to be true. According to Farmers Insurance, the windshield replacement offer is almost always a scam. And the risks may be greater than many people realize.

For starters, the quality of the replacement windshield and the repair work usually aren't all that good, which means you could be putting your safety at risk. This scam also can do a number on your insurance coverage, says Quiggle.

"Once they have your insurance information, a scammer will often submit false claims under your policy," he says. "You'll have to go through the headache of clearing up those false claims, but in the meantime they can raise your premium and -- if there are enough false claims -- you can even lose your coverage."

Experts say the best thing is to walk away from the offer. If you do need your windshield replaced, call your insurance agent in advance to see what is and isn't covered.


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