Crash for Cash Scams on the rise

There has been a rise in criminals who stage accidents, known as “crash for cash” scams, where they plan collisions to make fraudulent insurance claims. Common tactics include sudden braking at junctions or falsely gesturing to let another driver go, only to then cause a crash and blame the innocent party.

Crash for Cash Scammers Target Vans

These scams evolve over time. While lone female drivers or those with children have been prime targets, a recent trend involves moped-riding criminals positioning themselves behind reversing vans, exaggerating injuries after a minor bump. This scam, which began in London, is spreading to congested urban areas across the country. In some cases, fraudsters even rent scooters and mopeds from dishonest garages to inflate claims, sending the bill to the victim’s insurance.

What to Do If You Suspect a Crash for Cash Scam

If you suspect you’ve been targeted, the Insurance Fraud Bureau advises treating it like any other collision:

• Remain polite and avoid confrontation.
• Exchange details, including names, addresses, insurance information, and contact details.
• Note how many people are involved.
• Photograph the scene and surroundings, if possible.
• Look for CCTV cameras.
• Gather details from witnesses, especially those with dashcams.
• Contact your insurer to report the incident and express your suspicions.
• Report the scam to the Insurance Fraud Bureau Cheatline at 0800 422 0421.

Signs of a Premeditated Scam

• The other party may exaggerate damage or injuries.
• They might seem unusually calm or prepared, even carrying pre-filled insurance documents.

How to Protect Yourself

Vigilance is key to avoiding these scams. Defensive driving, such as maintaining safe distances and being aware of erratic drivers, can reduce your risk. Upgrading to better-equipped vehicles also helps. For example, vans with parking sensors, reverse cameras, and automatic emergency braking are less likely to be involved in accidents, whether accidental or induced. Though these features might seem like added expenses, they can save money in the long run by preventing costly incidents.

Stay safe out there!