Crash for Cash

Sitting on the sofa watching morning tv the other day, I was surprised to hear Frome and Somerset being mentioned.  Not in a positive way, but because they, as well as Beckington, now top the list of areas being targeted by Crash for Cash scams.

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The Insurance Fraud Bureau have been looking at towns and cities where gangs are spreading out from their typical crime hotspots and are warning drivers to be vigilant to the scams.

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So what is a Crash for Cash scam?

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It’s a term used to describe a fraudulent insurance claim arising from a motor collision, or“induced accident”.  

Car collisions involving an innocent driver can often be caused by fraudsters who slam on their brakes at a busy junction in the hope that the car behind will not be able to stop in time.  Sometimes this is done with an accomplice driving erratically in front so they can divert the victim’s suspicion by saying the driver in front (who has disappeared from the scene) caused the accident.  Sometimes they may move normally away from traffic lights and then suddenly brake for no reason. Sometimes they disable their brake lights so that the driver behind is not aware the car is braking.  Or they encourage a driver to pull out of a side road so that they, or an accomplice, crash into the side of the car.

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There are signs to look out for in a collision that may be an induced accident.  The driver or passengers may not seem affected or concerned after the collision.  They may appear to exaggerate any injuries.  They may produce pre-written insurance information to hand over.

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If you are involved in an incident you think is suspicious, exchange insurance details as legally required.  Note as much information as possible about the driver, passengers and circumstances of the collision.  Include written information, photos, dashcam footage and note if there is CCTV in the area.  Do not confront the driver or the passengers.  Inform your Insurance Company about the incident and tell them of your suspicions, inform your local police and contact the IFM Cheatline.

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How can you avoid a Crash for Cash scam? Obviously, your Advanced Driving skills, IPSGA and your observation skills will help.  Always keep a safe distance from the vehicle in front of you and remember your braking distances.  Look ahead for potential hazards, including unusual driving behaviour.  Observe both drivers and their passengers for suspicious behaviour.  Be aware of cars in poor condition such as rear dents.  Focus on vehicles, not just their lights as these may have been disabled. Be cautious when pulling out of side roads, make your own checks, do not rely on others encouraging you to pull out. 

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Crash for Cash scams are costing the insurance industry a lot of money, costs which are passed on to motorists.  If we all stay alert we can do our part to reduce the number of induced accidents and make our roads safer.