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Fraudulent Road Traffic Accident claims

Birmingham is named as the worst city for fraudulent road traffic accident claims.

‘Cash for crash’ describes people making up a road traffic accident.

Either it did not happen, or they induced a collision to make a personal injury claim.

The report comes from The Insurance Bureau. It is a not for profit organisation working alongside insurance companies with the aim to reduce the number of fraudulent road traffic accident claims.

Bradford, Manchester and Oldham were also mentioned as cities where “cash for crash” is a problem.

“Cash for crash” defines circumstances where individuals or sometimes group fake an accident by purposely damaging a vehicle. This damage can be caused by a sledge hammer or other blunt object.

It was been reported that groups have purposely induced collisions on the road.

This is by suddenly breaking in front of a car, often at roundabouts.

The insurance industry pay out approximately £336million each year for fraudulent road traffic accident claims.

In an attempt to reduce fraudulent claims made, the Government wishes to introduce fixed damages for whiplash claims. Plus increase the minimum limit of claims to £5,000.

Also by making false personal injury claims, individuals are depriving insurance companies and solicitors of valuable time to investigate and progress genuine claims.

Therefore, the Government is keen to implement these changes as soon as possible.

Director of the Insurance Fraud Bureau has said, “...cash for crash collisions can happen anywhere, so it’s imperative that road users are aware of them, exercise appropriate caution and if they believe they’ve been a victim, report it as soon as they can.”

Individuals making fraudulent Road Traffic Accident claims run a serious risk of being penalised. For example, insurance companies can deny the claim made and drop the insurance coverage. In worse case scenarios, individuals making the fraudulent claims may be asked to pay back any damages received. Plus pay the costs wasted by investigating fraudulent claims. In addition, individuals filing fraudulent claim may face criminal charges.

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