No one particularly enjoys paying for insurance and warranties, but we’re always glad to have it when we need it. So it feels like a betrayal whenever you realize that the plan you’d paid for was nothing but a scam, and you’re left with a big repair bill. Here’s what you can do if you’ve fallen victim to insurance fraud or a warranty scam.
What kind of insurance are you talking about?
If you’ve ever bought a new or used car, you’ve likely been offered a variety of warranties. These always come with the promise of saving you money in the long run, because of all the regular maintenance and repairs they will cover. We rely so heavily on our cars we want to keep them in good working order, so we choose the warranty that seems like the best for our needs. Likewise, with insurance: we know we need protection if we ever get into a collision, so we sign up for a policy that we expect will cover us.
Unfortunately, not every warranty or insurance policy is on the up-and-up. You may find yourself at the repair shop facing a large bill. When you mention your policy, they tell you to look more closely at the terms and conditions — it turns out, there are many exceptions and loopholes to stop the policy from ever having to pay. You’ve been scammed!
Insurance and warranties are not always worth it
Depending on the insurance or warranty policy, they often cover a span of years. You may end up paying for them outright, or they could be rolled into the monthly payments if you financed your vehicle. Either way, you end up paying a lot of money, and when they reject your claim, it can feel like you should have just saved that money so you’d have it now for your repair bill.
Check what you are signing for
Whenever you sign anything connected to insurance or a warranty, make sure you’re well informed of what you’re signing up for. In that way, you will be able to avoid falling for scams.
Read the contract and make sure you understand all the terms and conditions. What repairs and maintenance will be covered? Under what conditions can the policy become null? What is your recourse to protest if they refuse to pay? Is there a limit to how much the policy will cover per year, or for the lifetime of the policy?
Another important step is to research the policy. The noble thing is if you have a smartphone, you can even do your research at the car dealership! Look for customer reviews. Are there any complaints? If you can’t find anything, that’s a real red flag.
If it’s too late for you and you already fell for an insurance scam, you may think that your money is gone forever, and you may be worried about how you’ll ever pay for these repairs.
There is good news
Don’t despair! Help is available for people like you who have been taken advantage of by unscrupulous insurance companies and car dealers.
It’s difficult, and there’s no guarantee that you can get your money back, but you shouldn’t just sit back and let the scammers get away with it. Claim Justice has a team of professionals who are experienced with fighting for justice against fraud, and we know how to get your money back from a scammer. We’ve won many cases like this and returned thousands of dollars to innocent victims. We’ll be with you every step of the way through the process of getting your money back.
To be a good candidate for getting your money back, you need to be able to provide us with certain information. First, we need proof of payment; if you paid with credit or debit or a direct deposit, we can track your money. Second, we need to see the terms and conditions of the policy. We also need copies of all communication between you and the scamming company, including proof that you have already contacted them and demanded your money back. This is a necessary step before we can take over and begin fighting for you.
What are my chances of getting the money back?
If you can provide all the information above, you have a very good chance of winning the case and getting your money back. However, it might take time. It all depends on how difficult your case is. Have patience and know that Claim Justice is dedicated to fighting for the rights of scam victims.