Car insurance Crash for Cash scams can have a ‘physical and mental’ impact on drivers

Crash for cash scam explained by Insurance Fraud Bureau

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Crash for crash scams are when scammers intentionally cause accidents to claim the compensation of other motorists. Freddie Lovejoy, an LV= General Insurance customer, fell victim to a ‘Crash for Cash’ after his Land Rover was induced into a collision on the A1.

A court case was successfully fought after the fraudsters attempted to claim compensation for the accident.

He has urged drivers to “read up about” Crash for Cash scams to make sure they are aware of the issue and can stay alert.

He said: “You never expect a crime like ‘Crash for Cash’ to happen until it does, and I would strongly recommend drivers read up about it.

“There can be physical and mental impacts when involved in a car incident, and to think criminals do it on purpose is scary.”

“At the time I was using a dashcam which provided crucial evidence for the case, so that would be my top tip to anyone.

“I was lucky to get support and justice, but others might not be so fortunate, so creating more awareness for the public is important.”

Scammers can slam on the brakes at busy junctions and roundabouts in the hope the driver behind hits them and takes the blame.

Some fraudsters also do this with an accomplice drives directly behind the victim so their attention is diverted.

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According to the Insurance Fraud Bureau (IFB), there has been a rising number of drivers being hit when they are encouraged to pull out of side roads.

Drivers have also been hit when creeping closer to the side of the road to get a better view.

The IFB has rigid drivers to always keep a good distance away from the vehicle in front to minimise the risk of any possible contact.

They also urge drivers to kook ahead at all times and to keep an eye on any potentially dangerous driving behaviour.

If other drivers or their passengers are behaving suspiciously this could also be a tell-tale sign something is not right.

Motorists have also been warned the condition of a vehicle can be crucial in identifying possible fraudsters.

Rear dents or damage to the car could signify the vehicle has been in accidents before.

While the lack of repairs could suggest the driver believes they will soon be in one again.

Clare Lunn, Director of Financial Crime at LV= General Insurance has warned drivers need to be “more vigilant” as lockdown restrictions end.

She said: “’Crash for Cash’ creates a serious risk for the public and their safety, and our top priority is to protect our customers and consumers from fraud.

“As we come out of lockdown and more traffic returns to our roads, drivers need to be ever more vigilant.

“Threats like ‘Crash for Cash’ continue to evolve, and it’s vital motorists understand how to spot the signs and report it.

“As a major insurer, working with the industry including the IFB means we can collaboratively identify and convict criminals who attempt this type of activity, to keep our roads as safe as possible.”

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