How to Avoid Tow Truck Scams After a Collision
Nobody wants to be in a car accident. They are unsettling experiences, and the aftermath can be just as challenging to navigate, especially with the rise of tow truck scams.
Imagine this scenario: You’re in a collision, but thankfully, a tow truck quickly arrives at the scene, ready to tow your car. Although you may think they’re coming to your rescue, many of these tow truck drivers use high-pressure, deceptive tactics to scam motorists who are desperate for help.
Corruption in the towing industry stems from the cut-throat competition between towing companies, often linked to organized crime. In this blog post, we’ll explore some common tow truck scams to look out for and how to avoid them. Plus, learn what to do after a collision to stay prepared and safe.
Common Tow Truck Scams
Tow truck scams can occur in various ways, and they exploit the stressful and vulnerable situations that motorists find themselves in after a car accident. Here are some common scams and how to avoid falling victim to them.
Unauthorized Towing:
Scam: Some dishonest tow truck operators (also known as “chasers”) monitor police scanners or accident scenes and rush to the location, offering towing services without being requested.
Prevention: Unless law enforcement or emergency services call for a tow, be cautious about accepting unsolicited towing services. Verify the identity of the tow truck operator and check for company affiliation.
Excessive Fees:
Scam: Unscrupulous towing companies may quote an initial low price over the phone but then charge exorbitant fees, especially if the customer is distressed.
Prevention: Ask for a clear breakdown of all fees before agreeing to any service, and if possible, get this information in writing. Be wary of any company that is hesitant to provide transparent pricing.
Insurance Fraud:
Scam: Did you know that the tow shop can sell the car if you (the driver) and their insurance company don't pay? Dishonest tow truck operators may collaborate with repair shops to inflate repair costs, encouraging individuals to use their services and file inflated insurance claims. Your insurance may not cover these fees, leaving you responsible for paying an expensive bill you weren't expecting.
Prevention: Choose reputable towing and repair services. Obtain multiple repair estimates from different shops and be cautious if a tow truck operator insists on taking your vehicle to a specific repair shop.
Know Your Towing Rights
To protect yourself from tow truck scams, it's essential to be vigilant, know your rights, and choose towing services carefully. Research and identify reputable towing companies in advance so that you're prepared in case of an emergency. Additionally, understanding local towing regulations and your insurance coverage can help you navigate these situations with greater confidence. The first step to help motorists avoid corrupt tow truck drivers is to know CAA’s Towing Bill of Rights:
You have the right to decide who can tow your vehicle and to what location (unless otherwise directed by police).
A "permission to tow" form must be signed before towing starts unless you have an auto club membership.
The towing company must provide you with an itemized invoice before receiving payment.
The final bill cannot be more than 10 percent above the quoted price.
If you choose, you have the right to pay by credit card.
During business hours, you can access your vehicle to get your personal items while it is stored at a towing facility.
A tow operator must notify you where your vehicle will be towed.
Tow operators must disclose if they receive a financial incentive for towing your vehicle to a particular vehicle storage facility or repair shop.
What to Do After a Collision
The first moments after a collision can be overwhelming, but remaining calm is crucial. Make sure you:
Check for injuries and, if possible, move your vehicle to a safe location.
Turn on hazard lights and call the local authorities to report the incident.
Document the scene by taking photos if it's safe to do so.
The next step is to contact your insurance company to report the accident. Provide them with all the necessary details, including the information you gathered at the scene. Be honest and thorough to expedite the claims process. Important details include:
When and where the collision occurred.
The make, model and licence plate number of vehicles involved.
The name and driver's licence of other drivers involved.
The name of their insurance company and policy number.
Ensure to obtain estimates for the repair costs from reputable auto repair shops. Your insurance company may have preferred providers, but you have the right to choose where your vehicle is repaired. Stay informed about the progress of your claim and be proactive in providing any additional information requested by your insurance company.
Navigating the aftermath of a collision involves both emotional and logistical challenges. By staying calm, avoiding tow truck scams, documenting the scene, and understanding the insurance claims process, you can protect yourself and ensure a smoother recovery process. Remember, being prepared and informed is your best defence after a car accident.
To read more about this topic, visit the CBC’s article: “Brantford police warn public of 'high-pressure, fraudulent tactics' from tow truck drivers.”
Have questions about auto insurance or looking for a free quote? Contact us today at 613-342-1405 or info@burgessinsurance.ca! Or learn more by visiting our Auto Insurance page.