December 16, 2014
Intent of Premeditated Collisions to Gain Fraudulent Insurance
Compensation
Las Vegas, NV – Nevada Attorney General Catherine Cortez
Masto warns consumers to be aware of staged automobile accidents, which are
intentionally created in order to defraud automobile insurance companies.
According to the National Insurance Crime Bureau (NICB), the number of referrals
for intentionally caused or staged accidents in Nevada increased by 21 percent
from 2012 to 2013.
“As consumers take the road for holiday travel, it is important to practice
defensive driving and to educate themselves about staged accidents,” said Masto.
“Drivers may already be distracted with inclement weather, busy streets, and
holiday stress but it is equally important to be aware of other drivers who
purposefully plan a collision. Staged automobile accidents are one of the
fastest-growing types of fraud in the insurance industry.”
NICB reports that in Nevada “bodily injury” was the top loss type overall in
2013.
In a staged automobile accident, waiting drivers carefully position
themselves in order to create automobile accidents with unsuspecting drivers.
Because staged accidents are difficult to prove, criminals often include
passengers in their automobiles who also claim to have sustained injuries.
Known types of staged automobile accidents include:
- Swoop and Squat - A driver causes an intentional and
unavoidable rear-end collision by abruptly entering the lane in front of the
victim, or cutting the victim off, pulling in front of the victim, and forcing
the victim to break suddenly.
- Drive Down - While an unsuspecting victim attempts to merge
onto a freeway, a driver in the adjacent lane directs forward with a hand
motion, then deliberately crashes into their automobile and blames the victim
for the collision.
- Sideswipe - The victims is in a dual-turn left lane and
unintentionally veers the vehicle into the adjacent lane for a few seconds. The
driver in the adjacent lane then sideswipes the victim, and subsequently accuses
the victim of driving recklessly.
- T-Bone - The victim begins to drive through an intersection,
when a suspecting driver intentionally slams into their automobile. The driver
then accuses the victim of running the stop sign. This is also called a
right-angle or broadside collision.
- The Wave - While driving in heavy traffic, a victim will
attempt to merge into an adjacent lane. The driver in the adjacent lane waves at
the victim indicating that he or she will make room for the victim to switch
lanes directly in front. Just as the victim begins to switch lanes the driver
accelerates and crashes into the rear of the victim’s car making it appear to be
the victims fault.
Drivers are encouraged to be wary of how many occupants are in and around the
vehicle at the time of the accident and thereafter. Drivers should also be
aware of their surroundings, and note whether additional people show up to the
scene who claim to have been involved in the accident.
To view a video, released by the NICB, demonstrating the five types of known
staged accidents, click
here.
Victims of a staged accident should immediately report to their respective
insurance companies if they suspect a staged accident.
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