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By feigning injuries or property damage, they file false insurance claims, driving up premiums for honest policyholders and putting additional strain on insurance companies. Learn about common car insurance scams, warning signs and what steps to take if you suspect fraud — including who to call first. Avoid fake insurance at all costs. Fraudulent insurance agents, sometimes referred to as ghost brokers or ghost agents, don't attempt to steal your personal information to gain access to your finances.

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