The director of a fraudulent insurance ‘crash-for-cash’ scheme was recently jailed for 5 years following a Metropolitan Police investigation.
So, how did the scam work? Firstly, a decoy vehicle was required to brake suddenly in traffic. Then, a second vehicle also employed by the fraudulent firm would then stop suddenly, causing the vehicle behind to crash into the second. The passengers in the second vehicle would then submit personal injury claims to insurance companies. It is estimated that the firm caused around 300 accidents.
Judge, HH J Barrie, said: “The idea that crash-for-cash frauds are victimless crimes has to be rebuffed immediately. The impact of this offending on the insurance industry is substantial and this, in turn, leads to routine increases in insurance premiums for the wider public.”
“The manner of the driving in the collisions is inherently dangerous involving the sudden slamming on of brakes in traffic – often at night and often in poor weather conditions. Unlike the fraudsters, the innocent occupants of the cars behind have no opportunity to prepare or brace themselves for the impact”.