WOMAN REPORTS ACCIDENT WHICH OCCURRED THREE DAYS PRIOR TO HER THE GENERAL INSURANCE COMPANY POLICY INCEPTION

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Philadelphia – Detectives from the Philadelphia District Attorney’s Office Insurance Fraud Unit investigated Chivon Ford after receiving a referral from The General Insurance Company. On August 1, 2014, Ford was driving her 2010 Nissan Maxima when she struck the back of a parked SEPTA Route 23 bus. Although the bus did not sustain any damages, Ford’s Nissan incurred heavy front end damage and her airbags deployed as a result of this collision. On August 4, 2014, Ford called The General Insurance Company to reinstate her lapsed policy. A few hours later on that same day, Ford called and reported that she had just struck a SEPTA bus and had damaged her vehicle. Detectives retrieved SEPTA surveillance footage and incident reports which contradicted Ford’s account. SEPTA documentation showed that the accident had in fact taken place on August 1, 2014. The investigation revealed that Ford’s insurance policy had been cancelled for non-payment on July 28, 2014 and that when Ford hit the SEPTA bus she was driving uninsured. Ford obtained her The General insurance policy three days after the accident had actually occurred. Ford was arrested for Insurance Fraud and Theft by Deception on July 17, 2015. She is next scheduled for a status listing on July 24, 2015 in the Philadelphia Municipal Court.


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