Motor fraudsters adopt new tactics
Motor fraudsters have adopted a dangerous new tactic to trap unsuspecting drivers in 'crash-for-cash' scams according to anti-fraud experts at AX.
Dubbed 'hide and crash', the latest method used is an evolution of previous tactics and involves a fraudster hiding in a driver's blind-spot before quickly moving in front to 'slam on' the brakes.
The warning from AX, which exposed the 'flash for crash' scams - where a fraudster will flash their headlights to invite an innocent driver to pull out of a junction before accelerating to cause a collision - comes as it names the top-five most common tactics currently used by fraudsters to induce accidents and make bogus insurance claims.
'Crash for cash' is a problem that costs the industry £340 million annually, leading to inflated premiums for motorists and businesses.
The latest 'hide and crash' trend was noticed when AX detected several suspicious claims displaying near identical characteristics.
'This new tactic is a dangerous progression of the existing 'slam on' approach,' explained Neil Thomas, director of investigative services at AX. 'Criminals can take cover in a driver's blind spot, wait for the ideal moment, then accelerate and move into their pathway before slamming on the brakes.'
Other trends saw 'flash for crash' crop-up regularly as well as the long-established round-about 'slam on'.
Roundabouts were the most common locations seen for suspected crash-for-cash scams, while busy motorways and urban areas with frequent sets of traffic lights are also considered danger spots. Ultimately, fraudsters look for places where it is unlikely and often unsafe for potential witnesses to stop.
In terms of motorists protecting themselves from fraudulent claims, Thomas advised, 'It is hard to avoid being a victim of a staged accident but watch for passengers looking back, and do not interpret flashing headlights as an automatic invitation to pull out of a side road.
'In the event of an accident, drivers should take a few simple steps to guard against fraud. Count the number of occupants and ask for names. Then be sure to note the registration plates of the other vehicles. This is critical information which is easy to miss in heat of the moment but can help insurers and fraud experts build up a true picture of events.'