When you're in the middle of a stressful situation -- like a crash or roadside breakdown -- it can be challenging to react quickly and think clearly. It's in these moments that scammers try to take advantage. Beware of rogue tow truck operators looking to scam you into high fees with high pressure tactics. What's come to be known as "predatory towing" has become a real threat to vehicle owners, costing them major headaches and thousands of dollars in overcharges.

"Most tow truck drivers are honest, hardworking people, but there are an increasing number who are trying to steal large sums of money from unsuspecting drivers," explains Chris Sloan, Executive Director of the Pennsylvania Insurance Fraud Prevention Authority (IFPA).

The first thing to watch out for is the tow trucks that stop at a crash scene or a disabled vehicle along the road. Legit tow drivers wait for a call from the police, so verify 911 or an officer on the scene has dispatched a tow. If not, ask them to do so. Also:

• See the fees. Be sure you understand any paperwork that is presented. It should clearly state what you owe. Bad tow drivers often try to pressure drivers into signing a blank invoice.  
• Identify the tow. Be sure to gather information like a business card or other document that clearly states the tow company, address, and phone number. Take pictures of the tow truck, license plate, and any company information on its exterior.

You can find out more about how to make sure your tow operator is legit or report a suspicious tow at the Pennsylvania Insurance Fraud Prevention Authority's information site: KnowYourTow.org.