National Insurance Crime Bureau

Auto Glass Scams Continue to be a Problem in Florida

The National Insurance Crime Bureau’s (NICB) mission is to combat insurance fraud.  Unfortunately, Florida continues to be an active state for us when it comes to fraudsters looking to take advantage of policyholders by convincing them they need a windshield replaced on their vehicle.  

Auto Glass Repair

In fact, some fraudulent auto glass companies will approach people at car washes and grocery store parking lots. Sometimes they will even go to door-to-door offering free steak dinners or gift cards if they get you to sign a piece of paper. Be very careful, because this signature could mean you are signing your insurance rights away.  

The “paper” is an assignment of benefits (AOB) form, which means you are giving the auto glass company the right to file an insurance claim, make the repairs, and collect any insurance payments. The problem is these fraudulent companies are turning this into a lucrative business by inflating your insurance claim and collecting the money for themselves. This type of AOB abuse is a scam, and it must be stopped.  

According to the Florida Department of Financial Services, in 2006, approximately 400 auto glass AOB lawsuits were filed against auto insurers. In 2019, nearly 35,000 lawsuits were filed—an increase of 8,650%. 

Statistics like this simply can’t be ignored or more people will fall victim to this type of abuse.    

We always encourage policyholders to first contact their insurance company or agent who can help begin the claims process. See more tips on our Auto Glass Fraud flyer.

As we approach the 2020 legislative session, we hope policymakers take a closer look at auto glass scams, and come up with a solution that protects policyholders from being a victim.  If you are interested in getting more involved or learning more about NICB legislative efforts contact NICB’s government affairs department at GovernmentAffairs@nicb.org or 800-447-6282. 

Anyone with information concerning insurance fraud or vehicle theft can report it anonymously by calling toll-free 800.TEL.NICB (800.835.6422) or submitting a form on our website.

About the National Insurance Crime Bureau: Headquartered in Des Plaines, Ill., the NICB is the nation's leading not-for-profit organization exclusively dedicated to preventing, detecting and defeating insurance fraud and vehicle theft through data analytics, investigations, learning and development, government affairs and public affairs. The NICB is supported by more than 1,300 property and casualty insurance companies and self-insured organizations. NICB member companies wrote over $496 billion in insurance premiums in 2018, or more than 81% of the nation's property-casualty insurance. That includes more than 92% ($254 billion) of the nation's personal auto insurance. To learn more visit www.nicb.org.