Let's say you've been in a car accident, and you're standing by the side of the road, waiting for a tow truck and police to arrive. It's too late to avoid the accident, but the scam in this scenario comes later. A con artist may approach you -- or even phone you, thanks to a tip from a crooked tow truck driver or mechanic -- and pose as a third-party insurance official or consultant in order to convince you to use the services of a particular health clinic for your injuries, or to use a particular body shop or lawyer. You have likely never heard of this mechanic or lawyer, and with good reason -- they're fraudulent. It's all part of a setup to get your information so as to file false or phony insurance claims, of which they'll take a hefty cut -- if not all.
Make sure you conduct all of the necessary business with your insurance company and the other driver's insurance company, and don't give out your information to any extra parties.