Intentionally Caused Accidents
Spot a fraudulent accident
The majority of automobile accidents are truly accidental, but some of them are not. Some accidents are created on purpose. They are the work of fraudulent individuals hoping to profit from auto insurance companies.
Here’s the scoop:
- “Staged” accidents are the work of accident “rings,” so called because they involve a slew of participants, all of whom work together to eventually profit from the incident, including the drivers, paid witnesses, dishonest attorneys and corrupt medical organizations.
- Others are considered “caused” accidents, in which one driver is unaware that they have been targeted as a victim, and the other driver or drivers purposely cause an accident. Caused accidents usually occur in densely populated urban areas and affluent neighborhoods where people with high-value vehicles are thought to have more extensive auto insurance coverage.
- Those who perpetrate caused accidents tend to look for women and senior citizens, two demographics perceived as passive and less likely to cause a scene at the scene.
Prevent the likelihood of being defrauded with these tips:
- Practice good defensive driving skills like following at a safe distance and avoiding distractions like cell phones; people who cause accidents are looking to capitalize on any situation that will make the accident appear to be your fault.
- Call the police right away for an accurate accident report.
- Take photos at the scene. Photograph the license plate number, damage sustained to both vehicles and the number of people in the car.
- Get accurate contact information from everyone involved. Sometimes two seemingly unrelated drivers will work together to cause an accident.
- Ignore people who may suddenly appear at an accident scene to persuade you to visit a particular doctor or attorney.
- Be wary of tow trucks that suddenly appear at the accident scene though no one has called for one.
Staged and fraudulent accidents are dangerous. Be aware of what’s going on around you and stay in the know. For more thorough information, visit the National Insurance Crime Bureau.
"Staged Automobile Accident Fraud." Brochures. National Insurance Crime Bureau, n.d. Web. 10 Aug. 2012. <https://www.nicb.org/theft_and_fraud_awareness/brochures>.