Criminal record rest of life Job, career and salary are shot Jail cell: rent-free and comfy Could lose your home, credit Great role model for family, friends www.insurancefraud.org WAYS YOU’RE STIFFED Insurance fraud, stealing insurance money. No victim, no foul, no crime? Guess again. Here’s how fraud stiffs honest Americans ... Scams raise everyone’s premiums, even hundreds of dollars HIKES PREMIUMS Crooked surgeons cut open healthy people MAIMS PATIENTS Driver pulls in front of you, brakes and forces a rear-ender. Dangerous, plus fake injuries claimed against your policy. STAGED CRASH Most are honest. You’re uninsured if disaster strikes. Yet crooked agents steal your premiums. AGENTS A thief secretly steals free surgery using your health policy. Bills unpaid, your credit is shot. Plus, thief’s medicines & blood type are stuck in your records. MEDICAL ID THEFT Fraud victims can face long depression, betrayal INFLICTS DESPAIR Roofer steals your downpayment, thousands lost EMPTIES WALLETS Medical ID thief’s unpaid bills ruin your good name WRECKS CREDIT WAYS TO GET BUSTED Fraud-busting software can detect scams before they happen Fraud software can sift more than 50 million clues in less than 1 second Bank on it: Every $1 spent saves $7.70 Fake claim for storm damage? Satellites can check from 22,300 miles More than 4 of 5 insurers have trained investigators SCAMS YOU CAN PREVENT Stay Safe! WAYS YOU´RE TOAST Caught Scamming? Fight back! Never tailgate; watch for setup Fight back! Is your agent licensed? Ask your insurer, did the agent buy your coverage? Fight back! Check your credit history routinely. Correct mistakes in your medical records Impulse Cons Torch your car or SUV Torch your home, burning desire Fake work injury at loading dock Stolen sound system doubles in value for claim So you “lost” that diamond ring. Really? Bogus claim to steal insurance money? Big gamble, lose bigger. GHOULISH SCHEMES Fright Night Surgeon opens up your back, knee or shoulder. You’re half-crippled, constant pain SCALPEL SCAM Dentist drills healthy teeth, does worthless root canals. Yeech TRUTH DECAY Doctor zaps you with months of painful chemo or radiation CANCER CON STARTLING WAYS INSURERS BUST CHEATERS Insurers want to pay honest claims. And catch scams that harm people & property. Investigators and science are sleuthing hard. $ 22.300 miles 50 MILLION clues AMAZING FACTS ABOUT ARSON DOGS Pooch Power! 4 INCREDIBLE FRAUD FACTS Insurance scams steal at least $80 billion a year. That’s enough money to... Pay salaries of 95,000 high-school teachers for a year Buy new car for 24,000 drivers each year, for a decade 80 billion dollar bills stretch to the moon & back 16 times $ Smell things 100,000 times better than people Detect a teaspoon of sugar in 1 million gallons of water Scent up to 60 Use up to 300 million receptors in their noses x95,000 x24,000 x16 INSURANCE FRAUD WHY CARE? $ $ $