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What Should You Do If You Are A Victim Of Health Insurance Fraud?

Health insurance fraud is a particularly nasty form of fraud and can be extremely lucrative for the perpetrators. There are a number of steps that you can take to minimize the risk of becoming a victim but, even if you take care in choosing your health insurance plan, there is still a chance that you will get caught. So, what do you do if you find that you have become a victim of health insurance fraud?

The first thing that you should do is to contact your State Insurance Commissioner’s office to file a health insurance fraud complaint. This will also allow you to alert your State Insurance Commissioner to the problem so that other people can be warned, thus helping to limit the number of people who will fall victim to this particular fraudster.

The second thing you should do is to contact your bank or credit card company so that you can stop any further payments from being made on your plan.

The third thing to do is to contact your local law enforcement agency so that they too can join the hunt for this fraudster, put a stop to any further damage and bring the culprit to justice.

Having taken these three immediate actions you should then sit down and carefully gather together everything you have in relation to your plan which might assist in any investigation. This will include getting hold of the plan itself, any correspondence associated with it, cancelled checks, bank or credit card statements and anything else you think might be relevant.

This should be the end of the matter for now but unfortunately it may be just the start of your problems.

One extremely common and growing crime in our society today is that of identity fraud and, having got hold of your bank or credit card details, your social security number and a great deal of personal information about you in support of your health insurance plan application, the fraudsters may well go on to literally steal your identity.

To check to see if this is the case you should obtain copies of your personal credit report from all three of the major credit reporting agencies as quickly as possible. If these are clear then it is a matter of waiting and watching and should you spot any unauthorized activity being carried out in your name then you will need to take action. Indeed, if you even suspect that you may become the victim of identity theft there are several steps which you can take to help avert disaster, although this is a subject which needs to be covered in its own right and is beyond the scope of this short article.

However hard we try the criminals will always manage to get through to some of us and, if you are unable to stop them in the first place, the next best thing is to know exactly what to do once they have struck.

MedicalHealthInsuranceToday.com provides information on all aspects of medical health insurance from expat medical insurance to health insurance for pre-existing conditions.

Health insurance fraud is unfortunately all too common today and, despite your best efforts, there is a chance that you will fall victim to this particularly nasty crime. So what do you do if you find that you are a victim?

Tag: health insurance,medical insurance,insurance fraud,identity fraud

How To Save Money And Get Discount Car Insurance In Washington

If you live in Washington State you need to have at minimum liability coverage on your vehicle. This is required by law. Beyond that you can pick and choose the type of coverage you actually need. This allows you to have some control over the cost of your own car insurance. The different types of coverage you may opt not to have, include:

•Collision. This coverage is often recommended for late model vehicles. If you’ve got an older vehicle, consider not taking out collision coverage. Doing this will certainly help to lower your annual premiums.

•Medical coverage. This coverage offers protection for any medical expenses or funeral expenses that may occur as a result of an accident. It’s a good idea to ask about different levels of coverage. If you lower the level of coverage or remove this altogether from your policy, you’ll probably enjoy a substantial savings.

•Emergency roadside assistance. Many people have no idea that they are actually paying a portion of their premium to this coverage. If you don’t require roadside assistance or you have this benefit in place already from another source, have this removed.

•Car rental. Some car insurance policies offer car rental coverage in the event your vehicle isn’t operable after an accident. Removing this option from your policy can save a bit of money as well.

It’s easy to see why it’s so important to review every small detail in your car insurance policy after receiving or renewing it. If there are options that you feel you don’t need, speak to your agent about having them removed. If this isn’t possible, consider shopping around for a policy that allows you to pick and choose the options you want. You’re the consumer so you shouldn’t be paying for things you don’t want or need.

Recommended sites for low rate insurance Discount Car Insurance Quotes in Washington Combine Auto and Home Quotes

If you live in Washington State you need to have at minimum liability coverage on your vehicle. This is required by law. Beyond that you can pick and choose the type of coverage you actually need. This allows you to have some control over the cost of your own car insurance. The different types of coverage you may opt not to have, include:

•Collision. This coverage is often recommended for late model vehicles. If you’ve got an older vehicle, consider not taking out collisio…

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Car Accident — I was hit and now what?

Car accident? Let the frustration begin! I know this because I was in one last week, and I did not know what to do or how to react.

I was a claim adjuster for several years before I went to law school, and even tough I handled hundreds of insurance claims alike, I never could comprehend how confusing a car accident really is.

Last week, I was sitting at a light when suddenly there was a “bum” and then another “bum”. My seat broke and I was laying flat. I got up and I could not find my hazard lights, and I could not remember where I was going. Everything was simply a daze. I just look at my car and realized there was no way I could drive home.

When the insurance adjuster called me and I told him what you just read, I could feel the frustration of the adjuster. The adjuster’s questions in the recorded statement were very detailed. I must have sounded like the biggest idiot.

Mr. Quiroga, what is the name and badge number of the police officer that responded to the car accident scene?

uh? I was there and then and I was hit and I could not find my hazard lights and my seat was broken. That was my answer!

Ok, you get my point. A car accident happens and we just do not know what to do. I did not know and I had been dealing with every possible car accident you could imagine.

Here are the 10 most valuable tips I came up with:

1. Get out of the vehicle only if you believe you are ok and/or if there is smoke.

2. Make sure that others are ok. Ask the other driver.

3. Be careful with what you say. Many adjusters will change your words to make it sound like you were apologizing for the accident because you were at fault. So a simple question like: is every one ok in your vehicle? will do the work.

4. Call the police. You need to call the police to the accident scene. Do not trust others. In many accidents people will tell you that they call and never did.
5. Exchange insurance information with the other driver.

6. Do not move the vehicle even if you are blocking traffic. Let the police take a look at the scene and let them determine when to move the vehicle.

7. If it is possible, CALL the other person’s insurance carrier and determine if there is an active policy in force that would cover your car accident. If not, tell the police officer.

8. Do not argue. Just listen and go sit down in your car if the other person is being anxious.

9. Whenever you have the chance, report the accident to your insurance company. Most insurance agents will tell you that if the accident is minor to deal directly with the other party so your rates do not go up. In my opinion, this can backfire on you.
If the other party starts claiming an injury (even if it is frivolous) and you failed to report the loss, Insurance companies can decline coverage because you breached your duty to report as outlined in most insurance polices. By reporting the car accident to your carrier, you are putting in notice of the loss. You can tell them that you will negotiate with the other party but if things get ugly, you will contact them.

10.If the accident was of substance. Go see a doctor. When you are in a car accident, the adrenaline rush is great and it will hide any pain or injury. It is better to detect any injury or complication early on.

Drive safe and hope that others will!

All the best,
Hector Quiroga
© Copyright www.auto-insurance-claim-advice.com

Hector Quiroga has a high interest in helping consumers gain knowledge of the auto insurance
claim process for both property damage and bodily injury claims. Also see: http://www.auto-insurance-claim-advice.com/Claim-Investiaion.html for more.

Car Accident! now what? do I move the car out of the way? 10 easy tips so you know exactly what to do to protect yourself in this situation.

Tag: car accident, auto wreck, insurance claim, insurance advice