Car Crash Scams: What to do if you are involved

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Written by Michael Foote , founder of Quote Goat, with over 13 years experience working in the finance, insurance and currency sectors.

Most UK drivers have heard of crash for cash scams, but what do the actually entail? A Crash for cash scheme is generally a staged accident which forces drivers into the back of another vehicle that has broken harshly on purpose. These cars are causing these accidents in order to claim on insurance, mostly from haulage companies, but also from ordinary drivers too.

Common crash for cash examples

The most common attempt at causing an accident is for a car to suddenly apply the breaks even though there is nothing in front of them, usually approaching a junction or roundabout, leading to a rear rend collision.

Another common approach from scam groups is to use two cars, one driving erratically and causing the other to break harshly and causing a rear end collision with an unsuspecting victim behind.

How to tell if you have been a victim?

When you are involved in an accident and have stopped to exchange insurance details with the other driver, there are a few things you should look out for; most people will be quite shaken up by an accident, even a small one, and adrenaline will cause people to react a little differently than they normally would. Even though it is a stressful situation you should look out for the other person to make sure they are not acting too calmly as this can be an indicator that they are a scammer.

A scammer may also have their insurance details very close to hand or already written down which is usually a strong indicator that they are trying to scam you. They may also be exacerbating injuries caused by the crash so make sure not to try to move them and have a paramedic look at them.

How can you protect yourself?

One of the simplest self protective methods for drivers is to install a dashcam. Since dashcams were made readily available and affordable to all drivers there has been a huge increase in sales; between 2014 and 2015 sales of dashcams increased by a whopping 918%.

Alongside the use of available CCTV footage – if there is any available – a lot of victims of car crash scams have been able to prove their innocence. If you don’t have a dashcam and there is no CCTV available you will have to look for witnesses to corroborate your story.

Compare car insurance quotes with Quote Goat today to find the right protection for you and your car.

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