Crash For Crash - What you need to know

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Crash For Cash the facts:

In most collisions where a vehicle is shunted from behind, the driver of the car behind is deemed ‘at fault’. The key element of a ‘Crash for Cash’ scam is therefore causing an accident for which the other driver can be blamed. To do so, fraudsters adopt one of three methods:

The Staged Accident:

Two vehicles, both in the hands of the criminals, will be deliberately crashed together away from the public eye. Sometimes the fraudsters may just take a sledge hammer to the vehicles to mimic the effects of a genuine car crash.


The induced Accident: 

With an induced accident, the fraudster targets an innocent motorist to become the ‘at fault’ driver. Typically the fraudster’s car will pull in front of the victim, slam on the brakes and – if the driver behind can’t stop in time – be shunted from the rear. Fraudsters often disable brake lights on their vehicles to give the unsuspecting victim no chance of stopping in time.

Over the years methods have become increasingly sophisticated, involving more than one participant, decoy vehicles and fake witnesses.

By targeting motorists on UK roads, fraudsters are gambling with the lives of innocent people. Beyond the obvious safety implications, innocent victims of induced accidents can lose their no-claims bonus and see their premium rise following the ‘accident’.

What is Crash For Cash Insurance Fraud?

Crash for Cash describes the event whereby one or more parties are willingly involved in a Road Traffic Accident for financial benefit.

The law in the UK entitles those injured in car accidents that were not their fault to claim Personal Injury compensation.  This has lead to fraudsters deliberately involving themselves in car accidents.  Innocent drivers have found themselves victims of accidents that were caused by the other driver on purpose, although this is often very difficult to prove.

There has been press attention drawn to recent events in the UK involving Crash for Cash fraud. Evidence has shown that tactics such as removing brake bulbs on a vehicle to cause an innocent driver to crash in to the back of a car have been used.  The Crash for Cash fraudsters know that rear end collisions are rarely disputed by the drivers insurance company, and use this to their advantage when making a claim.  It is almost impossible to prove that the brake lights on the car that was hit were not working before the accident occurred.  This will probably result in the fraudster winning their insurance claim and being awarder personal injury compensation and other damages.

Following an accident, the fraudsters will exaggerate their injuries in order to claim personal injury compensation.  Some criminals will carry passengers when causing the Crash for Cash accident, this will allow them to make multiple personal injury claims.  This type of fraud costs every insured driver in the UK money. Criminal gangs and individuals have made fraudulent claims amounting to tens of millions of pounds a year.

House of Claims has had incidents reported where drivers of large vehicles have reversed at speed trying to crash in to the car behind them.  The shocked driver told us that a driver of a 4x4 vehicle looked at him in the rear view mirror before braking suddenly.  When the driver avoided the accident by stopping in time, the fraudster attempted to crash in to him by reversing at speed.  The Crash for Cash fraudsters know that it is almost impossible for the victimised driver to prove that they did not drive straight in to the back of their car.

How can i avoid being a victim of Crash For Cash Fraud?

Fraudsters may find it easier to target you when you aren’t concentrating on driving. Using a mobile phone whilst driving, sending text messages, eating whilst driving, are all to be avoided.  If you are not concentrating on your driving 100 per cent, that may be the time the car in front of you brakes heavily and causes an accident. Keep your eyes on the road at all times, don’t become distracted when driving.  Keep plenty of space between you and the car in front, and allow even more room in wet weather conditions.

Have you been flashed?

Cash for Crash fraudsters have been known to flash their headlights to make an innocent driver believe that they have been given permission to pull out from a turning. They will then continue without braking and hit the other driver, causing an accident. The victim of the Crash for Cash incident will find it virtually impossible to prove that they were given permission to pull out.  By causing an unavoidable obstruction the victim of the scam will be held liable when the fraudster makes a claim.



• The criminals will use two cars to target their victim. These cars will get ahead of the Company vehicle in steady moving traffic, the first will then brake hard or make an unexpected manoeuvre, this will cause the second car to brake hard (often using the handbrake to avoid alerting the intended victim) and result in a collision.
• The first car will make off while the second, now damaged car will stop. The occupants of this second car will make a point of blaming the car that has made off and appear to sympathise with their victim - you.


• The criminals are most frequently from the Asian community - Afghan, Bangladesh or Pakistani. (Not exclusively but a common feature in London)
• There will often be at least three occupants in the car.


• Driver details are often already written down and insurance and registration documents are carried in their car.


• The driver will speak English while the other occupants do not.


It should be noted that these features are a guide only and all elements may not be present at every induced collision.

Please watch a real life Crash For Crash scam caught on a Mi-Witnes HD Accident camera 

 

Crash for Cash - Induced Accidents - IFB Video on Crash For Cash

The top twenty areas in the UK affected by crash for cash activity have been published. Crash for cash is when fraudsters cause car crashes with innocent motorists to get insurance payouts.

 

The hotspots have been published by the Insurance Fraud Bureau (IFB), who are also working with law enforcement to crack down on insurance fraud, of which crash for cash is one type. Operations to date have resulted in more than 486 arrests, 119 criminal convictions and sentences that have included over 91 years imprisonment.

 

The top twenty crash for cash hotspots are listed by post area:

 

  • Birmingham (B)
  • Sheffield (S)
  • Manchester (M)
  • Nottingham (NG)
  • Cardiff (CF)
  • Liverpool (L)
  • Newcastle-upon-Tyne (NE)
  • Leicester (LE)
  • Bristol (BS)
  • London South - East (SE)
  • London East (E)
  • Coventry (CV)
  • Glasgow (G)
  • London North (N)
  • Leeds (LS)
  • Brighton (BN)
  • Reading (RG)
  • Guilford (GU)
  • Portsmouth (PO)

 

*Extract copy taken from an article from Operation Catcher press release from Metropolitan Police 

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