Fraudulent claims drive the cost of motor insurance up for UK motorists. ‘Crash for cash’ scams happen frequently on the roads; last year we unveiled that one of these scams happened every three hours1 on UK roads. This type of scam makes up for almost half (44%) of motor fraud detected by Aviva.
‘Crash for cash’ is when a fraudster deliberately forces an innocent driver to crash into their car in front, so they can claim whiplash compensation. As we well know, whiplash compensation claims cost UK motorists up to £2.5 billion a year2, by driving up the cost of insurance premiums that are paid for by innocent motorists. UK drivers can’t always know when they’re at risk of a scam, so we’ve put together a handy visual guide to help motorists avoid, or be prepared for that unexpected incident.
When out on the roads, there’s a few simple things drivers should be doing at all times. Motorists must make sure they’re always paying attention to the surrounding cars and other traffic; one moment of lapsed concentration could lead to doing an unexpected emergency stop. Drivers should avoid getting too close to the vehicle ahead, allowing enough breaking distance in case an emergency stop has to be made; pay close attention to junctions and slip roads as well. Warning signs from fraudsters will include: unusual changes in driving speed, a lot of attention being paid to the rear of their vehicle, any damage on the car and brake lights not coming on.
Like any minor road accidents, motorists should make sure they get all the information about the other driver and their car. Take down any details about other passengers in the vehicle as well as any injuries, and make sure not to take liability for what happened at the scene. If drivers suspect the incident is staged, they should contact the Police immediately.
‘Crash for cash’ scams are more common in some areas of the country than others. Motorists can find out more about the ‘Top 10 Crash for cash hotspots’ with our handy map.1www.aviva.co.uk/media-centre/story/17608/aviva-detects-a-new-crash-for-cash-claimant-every-/