Friday, August 23, 2013

AUTOMOBILE INSURANCE SCAMS

            This series of definitions is not meant to be comprehensive but rather an aid to help fiction writers make their character’ dialog sound “authentic.” Some are occupational slang. Recording studio musicians for example hate “clams” (sour notes). Others are basic terms. To a sailor a hold is where cargo is stowed aboard a ship. To a gambler a hold is the bet percentage held back by a casino.

            The last entry in this series touched on America’s ongoing love of automobiles with a few colorful words used by hot rod enthusiasts. After all hot rods are as American as hamburgers. But there are those who use the automobile for darker purposes from a bank robber’s “get away car” to this entry on automobile insurance scams. So watch out for runners who use crash dummies for the swoop and squat.

                                                                                                     Michael McKeever
       
AUTOMOBILE INSURANCE SCAMS:

crash dummies:   con artists who are drivers or passengers in staged accidents.
drive-down:        purposely hitting a car as it pulls out of a parking space. Then suing driver for “obstructing the right-of-way.”
runners:              con artists who stage “accidents” using “crash dummies” so that their  names don’t appear in resulting insurance claims.
steal and switch: removal of expensive car option (built-in CD player, etc.) by owner
                          who sells it, then files insurance claim that it was “stolen.”
swoop and squat: pulling ahead of a car, then breaking causing a rear-end collision. The

                          victim is then sued for “causing” the accident.

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