Car insurance crash scam warning
Posted : Bolton Evening News / 5th December 2005
Rogue drivers are intentionally causing road accidents by slamming on their brakes to force motorists behind them into a collision.

The scam sees the drivers brake for no apparent reason - and when the vehicle behind crashes into them, the motorists and passengers say they have been injured and later run up huge insurance claims.

Alasdair Morgan, from Bolton, said he became a victim to the con after a driver stopped suddenly in front of him at a roundabout near the Reebok Stadium.
The driver moved away from the give way line and even though nothing was coming, hit the brakes so that Mr Morgan's car bumped the back of his.

Mr Morgan said the driver's female passenger then pretended her neck was hurt and she was in such pain she could not get out of the car, which was barely scratched.
Insurance companies are losing thousands of pounds through the scam.

Mr Morgan told BBC Radio 5 Live: "I couldn't believe it. A witness who spotted the incident, and who couldn't see a reason why they stopped suddenly, told me to buy a disposable camera from a nearby petrol station - which I did.

"We both drove off and ended up at the retail park, but the couple hadn't seen me.
"I was amazed to see the woman, who couldn't move five minutes earlier, get out of the car, put a jumper on and go around the shops trying things on."

Mr Morgan captured the cheats on camera as the woman went carefree from shop to shop at the Middlebrook retail park.

The very next morning Mr Morgan received a solicitor's phone call to tell him the driver was claiming £150 for recovery of the car, £50 for car hire and £25 for the car to be garaged.

"I was amazed," he said. "An insurance company could not have appointed a solicitor so quickly."

Mr Morgan reported the matter to the police who investigated.

He said: "A detective from Rochdale came to see me and said there were people operating this scam in and around Bolton and Bury."

Malcolm Tarling, of the Association of British Insurers, said: "We are aware of the trend of staged motor accidents. It's something that is happening throughout the UK."

Mr Tarling also said it was important to keep an accurate record of what happened, with dates, times and photographs and to report it to the police and your insurance company immediately.

Insp Chris Burrows, of the Road Policing Unit, said: "We would warn people to be on their guard against these people who want to take advantage of them."


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