Motorists deliberately causing road accidents with the intention of lodging fraudulent car insurance claims against an innocent third party continues to receive police and insurance companies attention.
The incidents are predominantly caused by a driver stopping quickly for no apparent reason, hoping the driver of the car behind them will not be able to stop in time and collides with the fraudster’s vehicle.
These fraudsters do not always work alone and have colleagues in a separate car who manoever themselves into the spot behind the driver they are trying to catch out and drive very closely to their back bumper.
Once in place, the driver of the first car brakes sharply, the innocent victim in the vehicle behind, being aware of how close the car behind them is to their own car and fearing they themselves will be shunted, fails to brake quickly enough and collides with the fraudsters vehicle.
The driver of the first vehicle will appear uninjured at the time but subsequently claim for personal injuries from the victims insurance policy affecting their no claims bonus.
The only comfort these innocent drivers can take from the experience is that:-
1. Police forces across the UK are always on the look out for this kind of activity and the number of prosecutions for such activity is increasing.
2. Insurance companies record all claims on a central database which will alert insurers to possible fraudsters which the insurance companies can then pass on any suspicions to the police for further investigation.
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