posted 5 years ago

Flash For Cash Fraudsters Target Motorists

Criminals Deliberately Causing Collisions To Claim Insurance Money

Insurance fraudsters have created a new technique for causing profitable traffic collisions, a claim investigator has revealed (APU Ltd). This “flash for cash” scam is alarmingly simple. The fraudster travels (say) on a main road that has a smaller road joining on the left via a t-junction. The criminal, of course, has right of way as defined by the rules of the road. He then spots a vehicle waiting at the t-junction and flashes his lights to indicate that he will allow the driver to move safely onto the main road. However, the moment the innocent party commits to the manoeuvre the fraudster accelerates and causes a collision. He then claims that he did not flash his lights, the innocent driver is blamed as he/she moved into oncoming traffic, and the crook receives insurance money for whiplash, etc. Fraudsters commit this crime close to fuel stations too.

Fraud Expert Discusses Flash For Cash

Neil Thomas, APU’s Director of Investigative Services and former Detective Inspector of West Midlands Police, said: “It is yet another example of how criminal gangs are becoming more sophisticated and attempting to stay one step ahead of suspicion. The adoption of flashing headlights and beckoning the driver results in a 'your word against mine’ situation when it comes to apportioning blame.” Mr Thomas added: “By appearing to offer the right of way, the criminal simply continues his journey into a collision, holding the victim at fault for turning across him which, of course, cannot be denied under law.”

Rear-End Shunt Scam

The flash for cash technique has been created as insurance companies – and fraud investigators such as APU Ltd – have become increasingly wise to the now familiar “rear-end shunt” scam. This requires the criminal to position his car ahead of a victim then approach (say) a roundabout. He then brakes very late, very hard, or at an unexpected point so the following car cannot stop. Once again, the fraudster claims innocence as he was struck from behind by someone that was “not paying proper attention” or “driving too close”, etc. To increase the chance of success, a fraudster might remove his brake lights to delay the victim's reaction. The defence against these techniques is to keep a sensible distance from traffic, watch for erratic behaviour at junctions/roundabouts, and to treat any offer to move into someone's path with caution.

I,ve been in this situ twice 1 was a gypsy & 1 was polish who had a baseball bat by his side & his mates behind me,3 times he braked very hard when I got out at traffic lights I saw the bat & got back in my car I was too shocked to get his number then his mates passed me giving the one finger salute

The insurance companies know what is going on but do not really want to investigate as its easier to put up premiums to cover losses. The answer is to have a Dash Camera so if someone forces an accident you have it recorded, but never give the original SD card to the police, always make a copy and give them that, because if the perpetrator of the accident is an Immigrant or a Gypsy the police might accidentally loose the evidence. A good review of several Dash Cams can be found here

Hear in Thailand flashing lights means im coming through,Its a nightmare coaches and lorries force you over on the hard shoulder they just dont care

Edinburgh Driver Commented. Also probably best to have the Police come along, That means you will have two lots of criminals at the scene of the accident

Well we have crooked Bankers that get away with massive fraud, crooked MPs that were involved in the expenses fraud, corrupt Police, corrupt Solicitors and Barristers, corrupt Judges and Magistrates, corrupt Crown Prosecution Services. So why all the outcry about someone else not joining the financial fraud bandwagon

Always wise to wait until you actually observe the wheels turn before making any decision to move out - and then be aware of anything behind it. Unfortunately insurance companies already spend a lot investigating fraudulent claims, and the costs in terms of time and money trying to recover outlays, often only possible by means of legal action - seldom successful at that, is not likely to reflect favourably on reduced premiums for the honest motorists.

Much the same situation as Les Ralph, above happened to my Son-in-Law, last Saturday morning on his way to work! The perpetrator of a three car rear-end collision got away scot free while leaving an elderly couple needing Hospital Treatment, and my S-in-L with severe concussion... Three visits to the Hospital so far, plus; No works vehicle and Loss of Earnings as he is a self employed Carpenter. And to top it all, the loss of contracted work! all because some other driver in front of him suddenly decided that he would turn right into a "Car-Boot-Sale" at speed and miss-judging the entrance!

On the flash for cash: The IAM & ,I believe, police instructors teach that flashing headlights should be regarded the same as sounding the horn i.e. a warning to those who may have not seen them. 'You go first is not in the highway code for any signal of any kind. BUT I agree itseems to be universally accepted as 'You go first' and I must admit to using it for this meaning!

Its simple I bought a small camera for £27-00 on the internet headed Spy cameras it gives clear images turn the tables get their details and sue their insurance

Also, if involved with suspicious circumstances/characters, take photos of the car and all occupants as it is not unknown for damage to be augmented and extra persons not even in the car claiming for injury. Also probably best to have the Police come along, so that they are able to quantify and verify all those present.

I've seen this one in action (accidental or not) and was involved through no choice of my own a few years back... someone decided to stop sharply at the end of a road he wanted to turn into, though he could quite easily have just turned as the road was clear, the van behind him managed to stop without collision by braking hard.. I was behind the van, though I braked a split second later I also stopped short... the removal lorry behind me tried to stop, but locked his wheels up and slid into me... shunting me into the van in front... resulting in 3 written off vehicles.. the guy that caused it all just drove off on his merry way...

Surely these people should be picked up by the insurance companies. I would say anybody involved in more than 2 accidents in 5 years should be investigated very carefully.