Emily Sortor  |  August 26, 2020

Category: Legal News

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Insurance spam calls are often placed with robocallers.

Though you may receive spam calls from a range of industries, insurance spam calls can be particularly dangerous. These scams may be for health insurance, auto insurance, car insurance, disability insurance, or other kinds of insurance.

In many instances, a scammer may try to impersonate a legitimate insurer, in an effort to trick a customer into unknowingly signing up for a fake or shoddy plan.

What are Insurance Spam Calls?

Insurance spam calls can take a range of forms, explains the Los Angeles Times. Some plans offered by scammers may be technically legitimate but in reality “offer skimpy health plans that don’t cover what you might need,” the Times reports. Scammers will try to make these plans seem more beneficial than they really are.

Other scam plans are entirely fraudulent. In these cases, a scammer might call offering an insurance plan, and even collect premiums and personal information, but never deliver the promised coverage. Not only will consumers who fall prey to a scam like this be out the money paid to the scammer, they can also be victims of identity theft. The scammer may use a fake insurance policy to steal personal information or sell the consumer’s identity on the black market.

Why Are You Receiving Insurance Spam Calls?

Unfortunately, if you picked up an insurance spam call once, you may be more likely to get them again. If you inadvertently answered an insurance scam call, your number was registered as live, which means the scammer likely placed it on a list of numbers to contact again.

If you are an older person, you may be targeted more than younger consumers. Many scammers prey upon seniors, believing them to be more vulnerable and susceptible to scams. Scammers may believe that a lack of technical savvy or the chance of cognitive decline may make seniors more likely to fall for a pitch. Through no fault of your own, you may be in a demographic that tends to be hit with more spam calls than other age groups.

A range of news sources have called spam calls in the United States an “epidemic,” and the health insurance industry is a prime example of the problem. According to the Federal Communications Commission (FCC), health insurance scams tend to spike during open enrollment, as scammers will target those shopping for health insurance.

Call-blocking service Nomorobo blocked over 850,000 health insurance-related calls in October 2018 alone, marking a steep 500% rise from the previous month.

If you live in California, you may receive even more health insurance spam calls than consumers in other parts of the country. California’s health insurance open enrollment period is about twice as long as most other states, giving scammers more opportunity to prey upon Golden State residents.

Which Insurance Industries are Using Pre-Recorded Messages?

While most industries are using prerecorded messages to connect with potential consumers, some industries have received criticism for the use of pre-recorded messages and autodialers. In some cases, telemarketers and scammers may violate federal law in hopes of luring a customer through a pre-recorded message.

However, only certain pre-recorded messages are legal.

  • Medical professionals are permitted to send pre-recorded messages for appointment reminders.
  • Airlines can send them to notify passengers of flight cancelations.
  • Credit card companies can use pre-recorded messages to notify consumers of credit card fraud.
  • Political candidates are permitted to send pre-recorded messages to reach voters and to campaign for election.

The use of prerecorded messages for telemarketing purposes is not permitted unless the recipient of the call has consented to receive the call. Telemarketing calls are those that advertise or attempt to sell products and services, including promotional calls, deals, solicitations, and others.

Insurance fraud stampHow Many People Are Receiving Spam Calls in the US?

Robocall technology and automatic dialers have made it easier for scammers to reach potential victims. If it seems like you are getting more spam calls than ever before, it’s probably because advances in technology have given scammers a leg up. AARP explains that 44% of the 58.5 billion robocalls placed in the U.S. in 2019 were spam calls. An AARP survey of its members found that nearly half of survey respondents said they received seven or more robocalls on a daily basis.

How to Stop Insurance Spam Calls?

There are a variety of approaches to stopping insurance spam calls. The first approach is not answering calls from unknown numbers. If you answer a spam call, your number registers as “live” and you are likely to receive more calls.

Experts advise consumers who receive what seems like spam insurance calls not to follow the prompts. Do not select menu items, and do not give out any personal information. This may set you up for more calls or imperil your financial security and personal identity.

PC Mag encourages customers to block the calls as they happen. This can be done by using a number of services, such as Nomorobo, Truecaller, and YouMail. These blocking programs can prevent annoying spam calls. On Apple devices, there’s a feature to Silence Unknown Callers, which silences all calls from unknown numbers, PC Mag says. Android devices will likely differ depending on the phone,  but some will require you to block each unwanted call individually, while some devices may have a feature similar to Apple’s that have the ability to block all unknown callers.  allow while Android devices will vary

When Should You File a Robocall Lawsuit?

If you have been hounded by robocalls and are unable to stop insurance spam calls, it may be time to file a robocall lawsuit. A federal law called the Telephone Consumer Protection Act (TCPA) protects consumers from spam calls and unwanted telemarketing messages. 

If you have already taken steps to ward off robocalls, including placing your number on the National Do Not Call Registry, blocking bothersome numbers, and not answering calls from unknown numbers, you have likely done all you can to protect yourself from spam robocalls. It may be time to file a robocall lawsuit. 

You may be entitled to compensation, in the form of $500 per negligent violation of the TCPA, and up to $1,500 per willful violation. If you have received multiple calls, you may be able to receive compensation for each call. Contacting an experienced TCPA lawyer can help you determine if you might have a claim under the law. A lawyer can help you gather the necessary documentation and evidence you need, and help you file the strongest case possible.

Join a Free Insurance Company TCPA Class Action Lawsuit Investigation

If you received a phone call from an insurance company that used an artificial voice or pre-recorded message, you may qualify to join this insurance company TCPA class action lawsuit investigation.

Get a Free Case Evaluation

This article is not legal advice. It is presented
for informational purposes only.

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17 thoughts onWhy are You Receiving Insurance Spam Calls?

  1. Alex Bach says:

    I get spam calls every 5 to 15 minutes night and day 7 days a week! I call to file complaints with the do not call registry and give them a list of 20 or more numbers every day. The do not call registry is a joke they should be de-funded it is a waste of taxpayer’s money. You can’t talk to anyone there just an automated message and no response and nothing ever happens never heard from the do not call registry in several years of trying to reach them and send in complaints. I use my phone to receive my work so I have to answer every call.

  2. Jess Pardee says:

    I just found this site because I just got off the phone with someone claiming to be from InsureMe, and calling because I had supposedly signed up for Health, Dental or Vision insurance quotes, which I had actually been looking for a year ago, so I just thought it was a legit call, until when the woman was asking if I could verify some of my information “over the phone” as she put it, she had my correct mailing address, but then said “you are in your 30’s, correct?” to which I laughed and replied, no, I am actually going to be 45 soon. Then she said that she was going to connect me with an agent who would assist me further, but then sat and tried to make small talk with me as she was “unable to get a free agent, because they were all currently on the phone” and asked if I would like a call back. I finally started noticing the red flags (I am busy working still, so I was only really half paying attention at first, unfortunately. I mean, I was hearing everything she was saying to me, but I was also trying to finish up with my work in front of me, so what she was saying was not fully registering, if that makes any sense. LOL) so I decided I better Google the name of the company she claimed to be working for, and I could not find a single thing about any company called InsureMe, good or bad. I mean, no website for the company or anything. Which is what lead me to this site. So, I am pretty sure it was a scam call, and now I am just awaiting the flood of unwanted additional calls, because I went and listed my number as “live” apparently, as I am reading here. Just wonderful. I already get a ton of scam calls a day for a range of spam calls every day, so this is really irritating! I hate that they are able to call our cell phones now. I remember back when that was not legal to do! Man, the good old days………

  3. Patrick Datus says:

    Please sign me up ,this getting ridiculous and out of hand I’m tired of ducking calls or blocking numbers not knowing if it’s important or not I have blocked friends calling from new numbers because of these continous call from insurance company so if there is something that can be done I’m of supportive for it

  4. Eric Wright says:

    Same here Veronica! Whoever these InsureaLife people are, they consistently call multiple times a day and i have
    been getting them for a month or so. I have answered 3 or 4 times and told them the person they are looking for, a woman named Cindy, does not own this phone number anymore and please take me off their list. Everything i have done is not working. I just filed a complaint with the donotcall registry and hopefully something gets done regarding them because this is ridiculous!

  5. Karen says:

    I have received 3 calls from CoverageChoice alleging I signed up to be called about Medicare. I did not. I’ve told them 3 times to stop calling. They are not listening. I’d now like to open a claim against these scamming buttheads. Help please and thank you

  6. Nydia Nieves says:

    Oh please add me. I receive multiple calls from different insurance companies. I’m on the do not call list, yet i still get these annoying calls. I’ve requested to be taken off their list but they hang up. I block them but they continue with different numbers. This needs to be taken seriously. Many people are getting scammed or even hurt. Please add me. Thank you.

  7. veronica woods says:

    I get 4 to 5 calls a day from INSURE A LIFE. Every time they call it is from different telephone numbers with my area code of 843. I feel this is a scam. I find it a form of harassment.

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