Wednesday, July 18, 2018

What to Expect with 3 or More DUI Offenses in Arizona

Have You Been Charged With More Than One DUI?

In Arizona, it is unlawful to drive or have physical control of a motor vehicle if you are under the influence of drugs or alcohol. A first or second DUI conviction in Arizona already comes with serious consequences, more so if it is already your third or more verdict within 7 years of a previous conviction.

You can be convicted of a DUI offense in Arizona if you drive under the following conditions:

  • Impaired by alcohol or drugs to the slightest degree
  • Blood alcohol concentration or BAC of at least 0.08%
  • With any volume of a type of drug or metabolite in the body
  • Driving a commercial vehicle with at least 0.04% BAC
A first and second offense is considered a Class 1 misdemeanor. However, a third DUI conviction within 7 years becomes a Class 4 felony.  

Administrative Penalties

The Motor Vehicle Division of Arizona’s Department of Transportation imposes administrative penalties for a DUI arrest. These penalties apply even if the case is dismissed later. These include:
  • License suspension for at least 90 days – The penalty is meted to motorists caught with at least a BAC of 0.08% (0.04% for commercial drivers) within 2 hours of driving or having actual physical control of a vehicle.
  • A 1year administrative suspension and completion of alcohol and drug screening – The suspension is imposed on motorists who refuse to undergo a chemical test such as a blood or breath test. A 2 year suspension of driving privileges faces motorists for refusing to take a test for the second time. You will then be required to complete alcohol and drug screening after the suspension to get your license back. You may challenge your administrative licence suspension within 15 days after your arrest by requesting for a hearing.
  • A 1 year administrative revocation with a felony conviction. In order to get a revoked license reinstated, the driver must undergo a revocation investigation from the Motor Vehicle Division.
 

Criminal Penalties

The court imposes criminal penalties for DUI convictions. A third DUI comes with a minimum prison term of 4 months before placed on probation. You will also be required to pay fines and assessments of at least $4,700. If  convicted of an alcohol-related DUI, the 24-month ignition interlock device is requirement after reinstatement of the driver's license after the completion of the revocation. Your vehicle may also be forfeited if you owned the car you were driving when you were caught driving under the influence.  

License Revocation and Reinstatement

When your driver’s license is revoked as a result of a 3rd DUI conviction, there is no automatic reinstatement of your driving privileges after one year. You need to complete an investigation packet first. This includes:
  • Revocation Certificate – The certificate indicates whether or not you’re presently employed, any traffic violations committed during the last 12 months, and current attendance or completion of alcohol or drug treatment/education programs.
  • Compliance Statement – The compliance statement issued by the sentencing court would indicate if you’ve met the treatment or screening requirements ordered by the court.
  • Recommendation from Health Professional – The recommendation involves a review of your revocation certificate and the compliance statement by a health professional.
Aside from the packet, you must provide an SR-22 or evidence of your future financial responsibility to the MVD. The MVD will then review your case based on your provided information. Their final decision will be relayed to you in writing.   If you have been apprehended for a DUI offense, especially if it is your third or more, you need to immediately get in touch with an experienced DUI attorney. Robert A. Dodell, Attorney At Law, can help you get through the complex process of the DUI laws in Arizona.

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DUI Attorney Scottsdale - Criminal Lawyer - Serving Tempe & Mesa, AZ | Robert Dodell Law Offices

10601 N Hayden Rd, #I-103

Scottsdale, AZ 85260

(480) 860-4321

httpss://goo.gl/maps/diwY4pu8X5m

Monday, July 9, 2018

Is It Ever Legal To Shoot a Trespasser

When Is It Legal to Shoot a Trespasser?

In general, property owners in Arizona are not allowed by law to employ deadly force in protecting their properties from trespassers. They may, however, use their guns to shoot at intruders in self-defense. This may only be applicable if they fear for their lives or if they believe that the intruder is capable of inflicting serious bodily harm, and is about to do so. Simply put, shooting at a trespasser can be considered a legal gamble because you can still potentially be held civilly or criminally liable if you are proven to have crossed the line. Thus, if you find yourself in a similar situation, it is best that you immediately seek the help of a competent and experienced criminal defense lawyer in Arizona like Robert A. Dodell, Attorney At Law.  

The Self-Defense Law in Arizona

In the state of Arizona, you are justified if you threaten or actually use physical force in defending yourself against someone else to such an extent that any reasonable person would be convinced that force is necessary for your immediate protection. If another person is attacking or punching you, for example, you are allowed to use force just to stop the other person from hurting you. The physical force must be just enough to keep you from sustaining more harm. It would be unlawful if you keep punching the other person even after the threat of physical harm has stopped. You are likewise justified if you threaten or use deadly physical force on another person in situations where any reasonable person would be convinced that the deadly force is necessary for your immediate protection. If somebody threatens you with a gun or knife, for example, you can use a certain level of physical force that may be enough to kill the other person to stop him from hurting you. Prosecutors and police officers consider a lot of factors when deciding if using deadly force is justifiable in case of self-defense in a trespassing situation. To put it simply, the use of force is justified if any reasonable person will believe that it was necessary to use deadly force for protection.  

Limitations on Claiming Self-Defense

Arizona laws allow proportional and reasonable self-defense, and the “stand your ground right.” However, there are several limitations to this provision, including:
  • Verbal Provocation - The self-defense claim is not applicable if there is only verbal provocation. You cannot use physical if someone is swearing at you, or calling you insulting names. You can’t retaliate with physical force or threaten violence.
  • Resisting Arrest – You can’t claim self-defense when resisting arrest done by a person in authority – even if you are not guilty of the charge. There is one exception, and that is when the arresting officer is using excessive, unreasonable, and unlawful force.
  • Provoking the Initial Encounter – One key self-defense element is to be free from fault in triggering the situation that resulted to the use of deadly force. The only exception is if the other party continues to use physical force on you even if you have withdrawn from the encounter, which was clearly communicated to the other party.
  • No Immediate Need to Use Force – There must be a threat against your person at the present time, and not several minutes, an hour, or a day ago.
  Stand your Ground and Self-Defense is very fact specific. One has to be very careful how they react to a crime, since it is possible to be charged with a crime oneself. When faced with criminal charge, you should immediately contact Robert A. Dodell, Attorney At Law for a free consultation and legal representation. This way, you are guaranteed the best possible defense for your particular case.    

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DUI Attorney Scottsdale - Criminal Lawyer - Serving Tempe & Mesa, AZ | Robert Dodell Law Offices

10601 N Hayden Rd, #I-103

Scottsdale, AZ 85260

(480) 860-4321

httpss://goo.gl/maps/diwY4pu8X5m

Friday, June 29, 2018

What To Do When Charged With A Dangerous Offense In Arizona

The legal system is challenging to navigate, even under the very best of circumstances. If you have been charged with a dangerous offense, you need to find an experienced legal defense like Robert A. Dodell, Attorney At Law, to represent you. At Robert A. Dodell, Attorney At Law, we are dedicated to helping folks like you during these troubling times. There are several things that must be handled in order to ensure the best outcome possible. From the moment you are contacted by the authorities until your trial is over, you need to have a professional lawyer by your side. Don't answer any of the questions posed to you by officers of the law, no matter what agency they work for. No matter how guilty or innocent you are of the charges, the information provided can be used against you. Not only does this include anything that you say after your rights have been read, but also before. Remember that the cops are taking notice of every word you say, looking for anything that will further incriminate you. By law you are entitled to speak to an attorney.. It is important that you begin taking steps to retain an attorney immediately. Take the opportunity to call an attorney immediately. Ideally you will have your own attorney when you walk in front of the judge to be arraigned. In most cases the State attorney will request that dangerous offenders remain behind bars while awaiting trial. An attorney can advocate for you to be released. There are several additional factors that your lawyer can bring up to support the request. If you have a job, family and responsibilities within the community, you are less of a flight risk. Also, if this is your first offense, the judge is more likely to release you on without a bond. Whether you are waiting out your time behind bars or have been allowed to go about your daily routine, don't discuss the case with other people. You don't want to inadvertently share something that could hurt your case further down the line. Also, you should do everything possible to stay out of trouble while awaiting trial. Stay away from illegal activities, and quit using any illegal recreational substances. You should be a model citizen or it is possible that you will end up in jail again. Make sure that you follow through with their instructions, such as not connecting the victim, returning to the scene of the crime and staying within the State. Your attorney can advise you of any other important factors that could help you case. At Robert A. Dodell, Attorney at Law, we will advise of you of everything needed to help your case reach the best outcome possible. It is important that you don't panic when you have been charged with a dangerous offense. Remember that the cops initially charge folks with the steepest charges possible. This allows for more negotiating room between the attorneys on both sides. A good lawyer can get some of the charges reduced or dropped, which means less penalties for you. Your attorney might even find enough evidence to have the entire case tossed out of court. Yes, being charged with a dangerous offense can be frightening. However, you don't have to let that overwhelm you. Robert A. Dodell, Attorney At Law, is here to help guide you through the entire process. If you need immediate legal assistance with a dangerous crime offense/charge, contact us today for a free initial consultation for your case.

The post What To Do When Charged With A Dangerous Offense In Arizona was originally published to www.azcrimlaw.com What To Do When Charged With A Dangerous Offense In Arizona first appeared on:

DUI Attorney Scottsdale - Criminal Lawyer - Serving Tempe & Mesa, AZ | Robert Dodell Law Offices

10601 N Hayden Rd, #I-103

Scottsdale, AZ 85260

(480) 860-4321

httpss://goo.gl/maps/diwY4pu8X5m

Sunday, June 24, 2018

Under The Age of 21 DUI Defense?

What Happens When An Individual Under The Age Of 21 Gets A DUI?

Underage drinking is something that continues to make its way onto the roads and it's important to have a good understanding of what Arizona does about it. In general, each state will have varying regulations when it comes to underage drinking, how it's regulated, and what the consequences are of being charged. Here is a look at the consequences a person under the age of 21 can face for having any amount of alcohol in their system while driving a motor vehicle.

What is a DUI?

A DUI Alcohol refers to "Drinking Under the Influence" and is measured based impairment to the slightest degree and on the individual's blood alcohol content at the time of their test. The test is conducted by a licensed officer after the driver has been stopped and there are specific protocols for how it's to be conducted. There are several levels to the DUI charge and it will vary from person to person based on what's happened at the time of their charge.  

Arizona Laws on Age for DUIs

Underage drinking remains a common occurrence in Arizona.  Recent research into the prevalence of underage drinking in Arizona with over 40% of all underage individuals consuming alcohol at one time or another. A good portion of these individuals are prone to get behind the wheel. In such circumstances, it's important to have a deeper understanding of relevant legalities and what court proceedings can encompass when a DUI is involved for a person under the age of 21. For adults over the age of 21, the established BAC or "Blood Alcohol Content" is set at 0.08 percent. However, for individuals under the legal drinking age of 21, the blood alcohol content is set at 0.00%. Yes, this means any level of alcohol in the bloodstream is illegal if the underage person is behind the wheel. Please note, the harshness of each penalty is going to vary depending on the individual's age, past history, and amount of alcohol in the system when recorded. These variables will be noted down and taken into account during various stages of the process including the court case. Since Arizona has a zero-tolerance policy, this means the initial penalties can be hefty even if the individual has a clean record. Individuals can be charged with up to six months in jail, probation, time spent in a driver's education course, class 1 misdemeanor, fines/court costs up to $2,000, and additional penalties based on the case's details. All of this is mentioned at the time of the hearing and it's something to keep note of while defending a DUI charge. For those that are facing second time DUI charge, the penalties will be harsher as this is a repeat offense while being underage. In some cases, the fines and penalties will double and it's up to the judge's discretion at the time of the hearing. In addition to the criminal penalties, adults under the age of 21, are often charges with a Title 4 Alcohol Offense, Minor Driving with Alcohol.  The penalty for this is typically a fine, but MVD will suspend the adult's driver license for two years, even though this could be beyond the 21st birthday. If an individual is in a situation such as this, it's best to have a qualified DUI defense professional on hand to help out and make sure the case is presented appropriately. This is the best way to avoid facing harsher consequences and make sure a fair verdict is achieved. For more information on Arizona's DUI regulations and potential age-based liabilities, please take the opportunity to call in and speak to a DUI lawyer from Robert A. Dodell, Attorney at Law. This law firm is ready to provide wholesome assistance as soon as the first meeting begins and will continue to do its due diligence based on what a client requires. It's important to take clear action and have a proven defense lawyer for DUI cases.

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DUI Attorney Scottsdale - Criminal Lawyer - Serving Tempe & Mesa, AZ | Robert Dodell Law Offices

10601 N Hayden Rd, #I-103

Scottsdale, AZ 85260

(480) 860-4321

httpss://goo.gl/maps/diwY4pu8X5m

Saturday, June 9, 2018

Issuing Bad Checks – How It Can Affect You

Bad checks can lead to serious criminal repercussions. If you have written many bad checks intentionally and the checks bounced, you will probably need a criminal defense attorney. Perhaps something went wrong in your bank’s processes or your employer is at fault. Or maybe you went amiss in your own personal accounting. Whatever your reason is, you need a credible defense which you can build together with a good lawyer. We have experience with a bad check defense at Robert A. Dodell, Attorney at Law. Start your search for lawyers with us. We offer a free initial consultation and can be easily be accessed.  

Possible Punishments from Bad Check Cases

People with bad checks are advised not to talk to the bank involved or any commercial institution. It’s best to keep quiet about it. Do not even talk to the police. Any information divulged to any of these entities can be used in court and can lead to a criminal proceeding involving fraud or passing bad checks. Punishments vary from state to state. Depending on your particular situation and the circumstances surrounding your case, you can be charged with either civil penalties, or criminal penalties, or both. In Arizona, a convictions for a writing bad check can result will punishment of up to 6 months in jail and probation. Each case is handled a little bit different based on the evidence, the intent and criminal background of the person convicted. You will need to pay back the full amount of the fraudulent check and you may be subjected to a fine of up to $2500, plus an 84% surcharge. In Florida, where these cases are considered criminal offenses, a convicted person may end up spending up to 1 year in jail, where the issued check was for less than $150. Beyond this amount, the court of the state will label the case as a third degree offense and, if proven guilty beyond reasonable doubt, a person can be punished with a maximum of 5 years imprisonment. If you live in New York, getting convicted for passing a bad check can land you in jail for up to three months in jail. Another penalty is a fine of up to $750. Additional penalties may be imposed depending on the check’s amount. In California, first-time offenders can be given up to 1 year in prison time. This penalty is applicable for checks with amounts lower than $200. You wouldn’t wish to be a resident of Texas and committed the crime there, as the state has some of the toughest laws against fraud and bad check writing. Penalties can go up to 2 years in jail. Fines in Texas can reach up to  $10,000.  

Possible Defenses

In bad check cases, the prosecution’s duty is to prove that the person charged knew that there was not enough money to cover his or her purchase, but decided to proceed with the purchase anyway. Any of the following situations will convince prosecutors that a case merits a court trial.
  • Postdated checks
  • Writing a check on an already closed or non-existent bank account
  • The bank involved is required to send a letter informing the account holder that he has insufficient funds. Failure to replenish the account to meet the required amount within 10 days is considered to be intent to ignore the notice and a willful violation of the law.
The usual defense strategy by lawyers for bad check offenses is to discredit the evidence presented by the prosecution. It is the same strategy that your lawyer might use and much of what he will do will be based on the particular circumstances of your case.  

There Are Different Defenses.

One defense is the situation where the recipient of the check cashed the check early, but was aware that the payer did not have sufficient funds in the account at the time the check was received.  The recipient  was supposed to process the check at a future date when the funds were available, but failed to do so. Another defense is quite similar.  The payer postdates the check, but the recipient cashes the check early.  If the recipient would have waited, there would have been enough funds to cover the check. A third defense is that the payer was unaware that the bank removed funds from the account without one's knowledge or the bank changed bank service charges against the account without one's knowledge, resulting in insufficient funds.  

How Conviction Can Affect You

Aside from the fines, jail time, limits on rights and a temporary time where you cannot work, people convicted for passing bad checks have to face other serious consequences, such as:
  • Your credit score may be affected
  • Some banks will close the bank account and you may find it difficult to open another account elsewhere
  • Job limitations – Some companies are not open to accepting applicants with criminal records
Hire an experience criminal defense attorney,  Robert A. Dodell, Attorney at Law.  The quality of your life is at stake.  

Free Initial Consultation

Robert A. Dodell, Attorney at Law, offers free initial consultations for criminal defense cases.  You can tell him your story without paying anything out of your pocket.

Issuing Bad Checks – How It Can Affect You is republished from www.azcrimlaw.com – RobertDodell Issuing Bad Checks – How It Can Affect You first appeared on:

DUI Attorney Scottsdale - Criminal Lawyer - Serving Tempe & Mesa, AZ | Robert Dodell Law Offices

10601 N Hayden Rd, #I-103

Scottsdale, AZ 85260

(480) 860-4321

httpss://goo.gl/maps/diwY4pu8X5m

Sunday, May 20, 2018

Finding a Life and Health Insurance Fraud Attorney to Help You

Fighting fraud is one of the practice areas of Robert A. Dodell, Attorney at Law. Insurance fraud victims should be able to find affordable legal representation to help defend their case. Attorney Robert Dodell is here and available to offer you legal assistance to defend your rights. People seeking financial gain use insurance fraud to either receive maximum benefits or acquire services. Educate yourself about insurance fraud to protect yourself from being someone’s next target.

What is life insurance fraud?

Life insurance is one of the motives for murder in the US. Recipients of insurance money would kill or hire another person to murder the policyholder for the hundreds of thousands of dollars in insurance payout. Other instances of insurance fraud go as far as faking disabilities or death to obtain insurance money. Insurance fraud is generally described as hiding information during the application procedure and making false insurance claims afterward. People would also tend to cover up their ailments to be able to acquire a life insurance policy. With so much money at stake, insurance companies typically examine claims and suspicious deaths.They seek help from private investigators to probe insurance claims. However, some people are capable of using tactics to collect life insurance money and deceive family, friends, and insurers.  

Types of life insurance fraud

There are two main types of life insurance fraud. The first kind is easier to investigate and has less legal or criminal consequences. The second kind is more dangerous and involves serious criminal charges. Here are some ways life insurance fraud are committed:  
  • Premeditated Murder

Insurance policies pay out when the insured dies or is murdered. However, the person, usually a family member, who killed or hired a killer, is not allowed to benefit from the crime. Legal consequences will also be enforced for this kind of insurance fraud. Individuals who are found guilty of murder for insurance payout will have to face criminal charges, as well as fraud accusations.  
  • Faked Deaths and Disabilities

Fraudsters who fake their deaths have to stay out of sight to convince people they are indeed dead. However, not all people are capable of completely cutting ties with family members or friends. Hence, they get caught and brought to the appropriate court. Faking one’s death or disability may not be a crime in itself, but the people who collect payouts under pretense are guilty of fraud. Lying about medical records or death to obtain benefits will incur penalties, depending on what state the scheme was committed.  
  • Forgery

Forgery refers to unauthorized alterations in the insurance plan. For instance, a family member, friend, or even a stranger gets access to a person’s insurance policy and information, and changes the recipients of the insurance payout.  
  • Policy Up-Selling

Policy up selling isn’t necessarily a scam, but it’s a common dirty practice among dishonest commission agents. The insurance agents may make false promises such as increased payout if the insurance holder gets embroiled in an accident and dies.  
  • Pocketed Premiums

Insurance agents also do fraudulent activities that involve misappropriating client premiums instead of buying life insurance. Fraudsters typically sell policies to senior citizens that are unfitting for their needs. When found guilty, the fraudster can face over ten years imprisonment. Other states impose varying penalties, depending on the amount of money involved in the scheme.  

What is health insurance fraud?

Health insurance fraud is another type of insurance fraud perpetrated by few deceitful individuals or institutions. Unfortunately, both providers and patients can commit this kind of sham. The medical providers who commit health insurance fraud often misrepresent and alter claims. They also charge more for services, items, and patient appointments that never occurred or furnished. The primary motivation for healthcare fraud by providers is to get more compensation from Medicare. Patients who try to scam healthcare also usually fabricate or conceal health information to receive benefits. Individuals often modify forms; deliberately not reporting information, or covering pre-existing conditions.  

Types of health insurance fraud

The two types of health insurance fraud are as follows:  
  • Individual Health Insurance Fraudster

An individual subscriber commits health insurance fraud by exploiting someone else’s identity to acquire funds, goods, or services. It also refers to someone who lets other people use his or her information to collect health care assistance. In this type of health insurance fraud, individuals also purchase drugs that were not approved by the physician.  
  • Medical Institution Fraudster

The most common offense committed by health care providers is making patients pay for medical supplies, devices, and procedures that were never rendered. For instance, a health care provider will charge high-priced service to gain more compensation and revenue. Some healthcare providers also influence patients to undergo medical treatments that are unnecessary. They even go as far as fabricating results to encourage patients to subscribe to expensive treatments. Perhaps the most menacing case of healthcare fraud is when institutions submit bills for lab tests in a fragmented fashion. As a result, the laboratory will increase their revenue by charging tests separately instead of as a whole.  

Why do you need to talk to an attorney if you’re accused of insurance fraud?

Insurance fraud robs other people of the benefits due to them. It’s a severe problem in the healthcare industry, and anyone proven to have committed the offense can face criminal charges. Violators might pay fines and spend significant time in prison. Any medical provider or individual who is found guilty of life and health insurance policies will have to live with a felony record and stigma for the rest of their lives. This is why you need to talk to an attorney if you've been accused of insurance fraud. As an insurance fraud attorney, Robert A. Dodell, Attorney at Law, will be able to resolve whether you have a legitimate claim and will fight for your best interests. Compensation must be accorded to you if you’ve been unjustly deprived of insurance or accused to have acted in bad faith.  

Contact a Fife Insurance Attorney in Scottsdale

Contact Robert A. Dodell, Attorney At Law for any fraud defense, or send an inquiry thru email to discuss your case if you’ve fallen victim or have become a pawn in life and health insurance fraud.

Finding a Life and Health Insurance Fraud Attorney to Help You was first seen on Law Offices Dodell Finding a Life and Health Insurance Fraud Attorney to Help You first appeared on:

DUI Attorney Scottsdale - Criminal Lawyer - Serving Tempe & Mesa, AZ | Robert Dodell Law Offices

10601 N Hayden Rd, #I-103

Scottsdale, AZ 85260

(480) 860-4321

https://goo.gl/maps/diwY4pu8X5m

Thursday, May 10, 2018

Things You Need To Know Before You File For Insurance Fraud

The idea behind having and providing insurance seems perfectly noble. In reality, however, some policyholders and insurers are consumed by greed. As a result, they engage in fraudulent activities to make financial gains against each other. The investigation and litigation for these are bound to be complicated. So if you or a loved one is involved, consult a criminal lawyer like Robert A. Dodell that has experience in insurance fraud to obtain most appropriate legal assistance.  

What Is Insurance Fraud?

As the term suggests, insurance fraud means providing false information in any process involving insurance with the intent to gain. Policyholders and insurers are the main possible perpetrators. However, impostors and third parties may also engage in such crime. A third party is either a professional or a company that willingly renders its services to support a policyholder’s fallacious claim. Healthcare professionals are one of the potential third parties engaged in insurance fraud.

What Are The Elements Of Insurance Fraud?

Insurance fraud comes in various forms. Each form has a different set of elements as well. Furthermore, the elements for each form differ from one state to another. Nevertheless, insurance fraud, in general, has three elements that must be proven in a court. These elements are as follows:
  • The defendant deliberately provides false information.
  • The defendant has intent to gain.
  • The fraud is done in any process involving insurance.
Losing money directly due to the fraud may serve as evidence that the defendant has the intent to gain. However, there’s no need to prove the financial loss as it’s not an element of the crime.  

What Are The Penalties For Insurance Fraud?

The penalties are different for every form of insurance fraud and in every state. Some states regard minor frauds as misdemeanors. As misdemeanors, the penalties are less severe. Possible penalties include probation, community service, and paying a fine. The convicted may also serve some jail time. Severe cases, on the other hand, result to heavier penalties. Fines are higher. Jail time is longer, and it’s not just a possibility. The public records, credit rating, and reputation of the convicted individuals are also tarnished. With these, applying for loans, jobs, and leases will become more difficult for them. Such penalties are only deemed appropriate considering that billions of dollars are lost to insurance scams every year. Additionally, these fraudulent activities increase the amount of premiums that policyholders must pay. But the worst part is that some frauds involve endangering the lives of others.  

Types of Insurance Scams & Fraud

Insurance fraud is mainly classified into soft fraud and hard fraud. Your insurance fraud lawyer may specialize in one or two of the said types. The basic difference between the two is that the potential loss is much greater in hard fraud compared to soft fraud. In hard fraud, there is a deliberate act to create damage, injury, or loss that is covered in an insurance policy. After the act, the perpetrator claims as much as thousands to millions of dollars. Compared to hard fraud, soft fraud is way more common. It tends to involve legitimate claims as well. However, the perpetrator usually exaggerates some details in the claims to get more. In some instances, the perpetrator omits some vital information to lower down the premiums. Soft fraud and hard fraud may involve different types of insurance. Below are the more specific types of insurance scams.  

Insurance Agents & Agency Fraud

In this type of fraud, the victim is usually the policyholder. The perpetrator, either the insurance agents or the entire agency, denies due benefits by doing any of the following:
  • Issuance of bouncing checks
  • Providing less than the due amount
  • Lying about records
 

Health Insurance Fraud

Policyholders and healthcare professionals are the typical perpetrators of this scheme. These may or may not involve legitimate claims. Below are some types of fraud that involves health insurance.
  • Inflated billing
  • Concealment of health conditions
  • Prescription drug fraud
  • Alteration of forms
 

Car & Auto Insurance Fraud

Car insurance fraud is one of the usual crimes done by organized rings. Nevertheless, policyholders and insurers alike may also engage in this crime by doing any of the following acts:
  • Faking damages
  • Exaggerating damages and injuries
  • Vehicle arson
  • Vehicle theft
  • Paper collision
 

Life Insurance Fraud

Scammers wanting to gain more than a hundred bucks go for life insurance fraud. This type of fraud is done by:
  • Faking death
  • False policy application
 

Bait-And-Switch Schemes

Bait-and-switch schemes mainly involve the insurer. These actually fall under false advertising. In these schemes, the insurer lies to the prospective policyholders to entice them. Acts involved in these schemes include:
  • Advertising a premium rate lower than the actual one
  • Increasing premiums for no legitimate reason
 

Force-Placed Insurance

In this case, banks and lenders are the potential perpetrators. This type of fraud happens when the borrower fails to extend an insurance policy for his property. Then, the lender forces to get the property insured. This means the borrower can’t shop around for a better deal. This insurance fraud involves:
  • Not informing the borrower (policyholder) about the insurance costs
  • Denying the borrower the chance to apply for a better policy
Gathering and refuting evidence for insurance fraud will be a meticulous process. Scammers are experts on these things so you shouldn’t just act hastily. To improve your chances, consult a reliable insurance fraud lawyer like Robert A. Dodell, Attorney At Law.    

The post Things You Need To Know Before You File For Insurance Fraud is republished from ArizonaCrimLaw - Robert Dodell Law Offices Things You Need To Know Before You File For Insurance Fraud first appeared on:

DUI Attorney Scottsdale - Criminal Lawyer - Serving Tempe & Mesa, AZ | Robert Dodell Law Offices

10601 N Hayden Rd, #I-103

Scottsdale, AZ 85260

(480) 860-4321

https://goo.gl/maps/diwY4pu8X5m