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In the United States auto insurance fraud is becoming one of the biggest fraud problems this country is faced with. In this article we’re going to discuss some of the more common auto insurance fraud scams and what somebody can do to prevent them.

Today one of the most popular insurance fraud scams involves auto insurance and auto accidents. More specifically, staged auto accidents. These have actually become quite complex to the point where they involve multiple participants. There are many variations of these. We’ll cover the main ones here.

First there is what is called the swoop and squat. This scam involves three vehicles. Two are driven by the criminals and the third is driven by the victim. The driver of the “squat” vehicle positions himself in front of the victim. The person driving the “swoop” vehicle pulls ahead of the squat vehicle and intentionally cuts the vehicle off. This causes the driver of the squat vehicle to slam on his brakes and stop short. Usually, the victim can’t react quickly enough and rams into the squat vehicle. In the meantime, the swoop vehicle that caused the accident takes off and is never seen again. The victim tells police that the swoop vehicle caused the accident, but because that vehicle can’t be located the victim ends up having to pay for the damage and any personal injury claims.

Then there is what is known as the side swipe. This type of accident usually happens at busy intersections with dual left hand turn lanes. The criminal positions his vehicle in the outer left turn lane. When the victim’s vehicle drifts into the outer turn lane the criminal side swipes him. To make sure the scheme works the criminal does preliminary surveillance to make sure that the intersection is busy enough where drifting will occur because of the amount of traffic.

Another common auto accident scam is what is known as the Panic Stop. In this scheme the criminal drives a late model car filled with a lot of passengers. The criminal will then position himself in front of the victim and have one of the passengers look out the back window watching to see for any signs of distraction such as answering a cell phone call or changing a station on the radio. Any sign that the victim is taking his eyes off the road. Once this happens the passenger signals the driver who then slams on the brakes thus causing an accident. The victim will claim that the criminal stopped short for no apparent reason but usually to no avail. In the meantime the victim has to pay for all damages and injuries reported.

Unfortunately there is only one way to avoid these type of accidents and that is to be observant at all times and keep a safe distance from any vehicle ahead of you. The sad truth is, if all motorists would just obey the speed and distance laws and rules, accidents like these would never happen. But people drive too fast and too close and thus these type of frauds will always be pulled off. Drive safe and smart and your chances of being the victim of auto insurance fraud will be greatly diminished.

About the Author

Michael Russell
Your Independent guide to Fraud

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A LASIK eye surgery is associated with various complex procedures and complications after the surgery has been completed. Although, the process involves only minutes to perform including a virtually painless operation, it is often associated with certain risk factors and complications. The complications occurring from a LASIK eye surgery may vary from one individual to another depending on the complexity of the case. It is always recommended to get the eyes screened before an individual decides to opt for a LASIK eye surgery. Screening and other related tests before the surgery could help patients avoid the potential symptoms and troublesome aftereffects.

While screening, the surface of the patient’s cornea is examined using a computer managed scanning device. This device creates a topographical map of the cornea in order to determine the irregularities in the shape of the cornea and to detect astigmatism. This screening in turn helps to decide whether the patient is eligible for undergoing a LASIK surgery. A comprehensive test can also help in reducing the complications at a later stage that can be eliminated at the outset itself. Patients with fourteen diopters of myopia are not encouraged to choose LASIK surgery, as it might lead to future complications. This can be decided only when a patient goes through proper screening procedures and undergo relevant tests. Refractive examinations combined with meticulous comparisons with the patient’s past medical records would determine the suitability of a LASIK surgery on the patient.

Eye surgeons also perform comprehensive tests of the eye anterior, the front portion and the posterior, the back portion. These tests help in determining specific eye ailments that might eliminate the choice of a LASIK surgery altogether. Eye diseases such as ocular hypertension, diabetic retinopathy, or glaucoma detected through a posterior examination might rule out the provision of LASIK surgery, and thus need to be detected prior to the surgery. A screening combined with relevant tests can therefore make a huge difference in the results and suitability of a LASIK eye surgery. Several online health organizations perform convenient cornea analysis and computer screenings to help patients in evaluating their cases.

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Newport Beach, home to Newport Harbor and Balboa Island, is fifty miles from Los Angeles, fourteen miles from Disneyland in Anaheim and thirty miles from Catalina Island. It’s a great place to get away from it all but still have it all. It is a small, population approximately 72,000, affluent city surrounded by major attractions.

Newport Beach, home to Newport Harbor and Balboa Island, is fifty miles from Los Angeles, fourteen miles from Disneyland in Anaheim and thirty miles from Catalina Island. It’s a great place to get away from it all but still have it all. It is a small, population approximately 72,000, affluent city surrounded by major attractions.

Rent a condo or villa, stay at an inexpensive motel, park your RV at the Newport Dunes Resort & Marina, check into a medium priced hotel or pamper yourself at a luxury hotel like the Balboa Bay Club & Resort which shares the same address as the Balboa Bay Club (”The Balboa Bay Club which boasts a star-studded history with a guest register bearing the signatures of luminaries, including John Wayne, Ronald and Nancy Regan, Humphrey Bogart, Lauren Bacall, Robert Wagner, Natalie Wood and many more.”), Four Seasons, Hyatt Regency, Mariott or the Balboa Inn.

Dine at one of the many excellent restaurants like the Newport Landing Restaurant (”Newport Landing is Newport Beach. Located on the Bay overlooking the historic Balboa Ferry with a panoramic view of Newport Harbor, Balboa Island, Newport Center, and the distant peaks of Saddleback.”), The Ritz Restaurant & Garden (”Synonymous with elegance, gracious service and award-winning cuisine.”), The Sol Restaurant in the Hyatt Regency Newport Beach (Featuring World Island cuisine from the Caribbean, South Pacific, and Gulf of Mexico.), Woody’s Wharf (”Live entertainment Friday and Saturday night. Valet parking and quest slips available fo the boaters.”) or The Harborside Restaurant and Grand Ballroom (”Famous for its world-renowned cupola and illuminated by more than 1,400 white lights, the Balboa Pavilion has served as the beacon of Newport Beach for almost a century.”). These are but a few of the fine restaurants in Newport Beach.

Spend some time at the clean sandy beaches, cruise the large smooth water harbor while viewing the large yachts and multi million dollar homes, charter a sport fishing boat, rent a sail boat, have a party or get married on a chartered yacht, take a ride in a gondola, visit the Orange County Museum of Art, visit the many gift shops, art galleries and sidewalk cafes on Balboa Island, visit the boardwalk shops and restaurants at Newport Pier, visit or take a swim at Pirates Cove, which is best known for the filming of Gilligans Island, go hikeing, horseback riding, scuba diving or surfing at Crystal Cove State Park or catch a ride to Catalina Island.

If for some reason you need more to do, close by you will find Disneyland in Anaheim, Knott’s Berry Farm and Movieland Wax Museum in Buena Park and golf courses galore.

For more information about the city of Newport Beach, California see http://newportbeach.usacitydirectories.com, a directory of links to city of Newport Beach, California guides and directories listing information, resources, services, things to do and places to go.

ABOUT THE AUTHOR

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If you own any type of vehicle, then auto insurance is something you really should consider investing in. For many auto owners, it isn?t as choice as auto insurance coverage in mandatory in many states. It is also required if you have the vehicle financed. This is to ensure the lender will get their money should the vehicle be damaged in an accident.

There are two types of auto insurance coverage ? full coverage and liability. Full coverage auto insurance means that the vehicle is covered regardless of who is at fault. This is great in the event that you are the party liable for the accident. It also covers you in the event that the other party doesn?t have coverage, regardless of who is at fault. Liability auto insurance only covers the cost of the other vehicles involved when you are liable for the accident. While full coverage auto insurance costs a little bit more, it does offer you the best protection.

I addition to helping cover the cost of getting your vehicle repaired or replaced, many auto insurance policies assist with the cost of medical bills associated with the vehicle accident. This is very important coverage to have, especially if you don?t happen to have health insurance coverage.

The cost of auto insurance depends on a variety of factors. They include your age, your driving record, the type of vehicle you are seeking coverage for, the state you are getting coverage in, the inclusions you wish to have under your auto insurance coverage. You can get better rates on auto insurance by keeping a clean driving record, having young drivers participate in a driving class, and combining your policy with another such as a home owner?s insurance policy.

It is also a good idea to find out the safety rating on a vehicle before you purchase it. Many people have been upset after buying a sports car to find out the monthly insurance payment is just as high as the vehicle payment itself. Vehicles with additional safety features are generally going to have lower insurance premiums associated with them. Once you find out the insurance laws in your state, start comparing prices offered to get great coverage at the best possible price.

lasik eye surgery price -

Lasik, vision-correction laser surgery, can help people see without glasses or contacts. It is an amazing invention, but a Lasik laser can do permanent damage. A small percentage of those who have undergone lasik eye surgery and similar laser-assisted optical procedures have suffered serious complications. Repeated lasik surgeries are known in the industry as “enhancements”. While ?enhancements? might improve the results for some people, the complications can be severe and permanent.

Laser eye surgery involves a reshaping of the cornea by cutting away tissue. Some people’s corneas are too thin to support much cutting. Others have a condition known as keratoconus. This means the cornea has the wrong shape to support safe lasik surgery.

A botched lasik procedure can cause:

? Loss of visual acuity, even with the best possible correction with eyeglasses

? Blurry vision

? Sensitivity to light

? Warping or scarring of the cornea

? Dry or painful eyes

? Halo or starburst effects that interfere with clear vision or safe driving

It often appears that the problem is that the procedure should not have been done in the first place. If you think that you were not a proper lasik surgery candidate, it is worth discussing your claim with a lawyer.

To obtain full compensation for a botched lasik procedure, you must retain an attorney that is willing to work with your doctor, neurologist, neuro-psychologist, occupational therapist, and rehabilitation specialist. Only then can your legal/medical team fully appreciate the impact of the injury upon you and your family. The best way to find such a lawyer is by getting the recommendation of a trusted friend or family member.