Staged Accidents And Scams: How To Spot Insurance Fraud Page 2

April 22, 2011
Screenshot from YouTube video

Screenshot from YouTube video

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Swoop and Squat
Usually involves three vehicles; two are driven by criminals, the other is the victim. The driver of the "squat" vehicle positions his vehicle in front of the victim's car. The driver of the "swoop vehicle" pulls ahead of the squat vehicle and internationally cuts it off, thus causing the squat vehicle driver to hit his breaks [sp]. The victim cannot react in time and rear ends the squat vehicle. The swoop vehicle races off and is not seen again. The innocent motorist states the swoop vehicle caused the accident, but because that driver cannot be located, the victim has to pay the vehicle damage and personal injury claims of passengers in the squat vehicle.

Side Swipe
Typically occurs at busy intersections with dual left turn lanes. The criminal positions his vehicle in the outer lane. As soon as the victim's vehicle drifts into the outer turn lane, the criminal side-swipes it.

Panic stop
Here the criminal typically drives an older vehicle filled with passengers. The criminal positions his car in front of the victim's while a backseat passenger in the criminal's vehicle watches and waits for the innocent motorist to be distracted, for example, by a cellphone call. As soon as the victim is distracted, the driver slams on the brakes, causing the innocent motorist to rear-end the criminal's vehicle. The victim's insurance company must pay for vehicle damage as well as injuries that the passengers may claim to have suffered from the accident.

Drive down
In this scheme, the victim merges his vehicle into traffic after being motioned to do so by the criminal. As the innocent driver begins to merge, the criminal speeds up and causes a collision. When questioned, the criminal denies motioning the victim to merge into traffic or gives excuses.

[from the National Insurance Crime Bureau (NICB), via the Insurance Information Institute (I.I.I.)]

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