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Staged crash
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Staged crash
A staged crash, or crash for cash is when criminals maneuver unsuspecting motorists into crashes in order to make false insurance claims. The cars generally suffer little damage in relation to the large demand that is then fraudulently submitted.
According to the Coalition Against Insurance Fraud, staged car crashes are a growing criminal problem.[citation needed][when?].
In the 1990s, poor Hispanic immigrants were recruited to stage a "Swoop and Squat" scheme and drive the swoop cars: for which the immigrants could be paid only $100. One such driver, Jose Luis Lopez Perez, died after a swoop and squat crash, leading to an investigation which revealed the extent of this fraud.
In 2011, a group of seven people in North and South Carolina were arrested for allegedly stealing over $100,000 through staged crash schemes.
On October 16th, 2024, a Honda Civic cut off a woman driving on the Belt Parkway near Rosedale, New York and backed into her. Three passengers then got out of the car and acted injured, clutching their necks and taking photos of the other car's plates. The incident was caught on camera through the woman's dashcam, later going viral on TikTok and bringing attention to rising numbers of similar cases in the tri-state area. One of the passengers, a 28 year old Brooklyn resident, was later apprehended and charged with insurance fraud.
In recent years, authorities noted a significant increase in the number of staged accidents in Florida. The state ranks number one in staged car accidents across the US according to the National Insurance Crime Bureau and is the most expensive state for auto insurance. Being a no-fault insurance state that requires a certain amount of personal injury protection for auto insurance, insurance companies are required to pay up to $10,000 per person for medical treatment, regardless of who is at fault. Florida has since passed specific legislation (Florida Statutes 817.234) against faking a car crash in order to receive insurance money.
Other states have passed or are eyeing diverse legislation targeting efforts by gangs to bring in real and fake crash passengers to lodge phone crash-injury claims. At least 15 states and the District of Columbia have passed laws targeting runners of crash gangs or soliciting of real auto crash passengers.
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Staged crash
A staged crash, or crash for cash is when criminals maneuver unsuspecting motorists into crashes in order to make false insurance claims. The cars generally suffer little damage in relation to the large demand that is then fraudulently submitted.
According to the Coalition Against Insurance Fraud, staged car crashes are a growing criminal problem.[citation needed][when?].
In the 1990s, poor Hispanic immigrants were recruited to stage a "Swoop and Squat" scheme and drive the swoop cars: for which the immigrants could be paid only $100. One such driver, Jose Luis Lopez Perez, died after a swoop and squat crash, leading to an investigation which revealed the extent of this fraud.
In 2011, a group of seven people in North and South Carolina were arrested for allegedly stealing over $100,000 through staged crash schemes.
On October 16th, 2024, a Honda Civic cut off a woman driving on the Belt Parkway near Rosedale, New York and backed into her. Three passengers then got out of the car and acted injured, clutching their necks and taking photos of the other car's plates. The incident was caught on camera through the woman's dashcam, later going viral on TikTok and bringing attention to rising numbers of similar cases in the tri-state area. One of the passengers, a 28 year old Brooklyn resident, was later apprehended and charged with insurance fraud.
In recent years, authorities noted a significant increase in the number of staged accidents in Florida. The state ranks number one in staged car accidents across the US according to the National Insurance Crime Bureau and is the most expensive state for auto insurance. Being a no-fault insurance state that requires a certain amount of personal injury protection for auto insurance, insurance companies are required to pay up to $10,000 per person for medical treatment, regardless of who is at fault. Florida has since passed specific legislation (Florida Statutes 817.234) against faking a car crash in order to receive insurance money.
Other states have passed or are eyeing diverse legislation targeting efforts by gangs to bring in real and fake crash passengers to lodge phone crash-injury claims. At least 15 states and the District of Columbia have passed laws targeting runners of crash gangs or soliciting of real auto crash passengers.