Moffat & Co Solicitors

Moffat & Co Solicitors
Accident Compensation Claim Solicitors Scotland
PO Box 28287
0131 662 6988
0131 667 8175

MASS Motor Accident Solicitors Society

Moffat & Co Solicitors Over 25 years of experience at your service

Car Crash Claims

‘Cash for Crash’ scams - don’t get caught out by the fraudsters.

‘Cash for crash’ is a term you may not be immediately familiar with. However, it is worth taking the time to learn a little about this form insurance fraud, so that you can prevent yourself from becoming a victim.

At their simplest, cash for crash scams involve a scammer braking without warning at a roundabout or even on a clear road. Often, they will use the handbrake or have disengaged the brake lights, so that the victim in the car behind has no warning that the car is about to stop. Typically, the fraudsters will target vulnerable drivers such as single mothers or the elderly; those that they feel are most likely to capitulate when they are blamed for the accident, following the rule of thumb that the car behind is responsible for any rear-impact. After the collision, the scammer will demand on-the-spot recompense for the collision.

A new twist on an old scam

However, a further, more complicated form of cash for crash scams have bubbled to the surface. In these situations, a driver who wants to replace their car, perhaps because they cannot afford to see it through its MOT or carry out necessary repairs, will contact a gang of criminals. For a fee, the fraudsters will then involve the car in an accident, similar to the scenarios described above, and pose as the owner of the car in order to obtain a payout or replacement car on the owner’s behalf. In addition, the fraudsters can make extra money by claiming for medical injuries such as whiplash, by either faking or exaggerating symptoms. All these cases are referred to personal injury lawyers, who act without knowing that they are part of an insurance fraud operation. Sue Jones, head of the Insurance Fraud Bureau, says: "If there were several people in the car and they all make personal accident claims they could easily make over £3,000 in referral fees for the crash".

How to avoid being scammed

Police and insurance firms, concerned by the rise in frequency of this sort of scam, have given guidelines for drivers who want to avoid becoming the victims of this sort of crime.

  • There are certain clues that might point towards a cash for crash scam: has the accident occurred for no apparent reason? Did the driver’s brake lights come on?
  • Drivers should be wary of motorists who have pre-prepared details on hand to swap. Cars packed with passengers may be a group looking to make a number of fraudulent personal injury claims.
  • On no account should you part with any money at the scene of an accident.
  • Where possible, take photographs of the scene of the accident. In addition, take the names and addresses of those who are prepared to be independent witnesses.
  • If you are suspicious that you are being targeted in a cash for crash scam, contact both the police and your insurance company as soon as possible.

These crimes also have a ripple effect for other drivers. The IFB estimates that insurance fraud of this kind costs the industry around £1.9 billion each year and adds around £49 to the premiums of every single driver in the UK.

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Since contacting Stan I was continously informed of the development and progress of each step of my claim. Stan was persistent and patient throughout the whole process and reassured me he would win me the compensation I deserved - and he was true to his word. I am extremely happy with the outcome of my claim and this is all thanks to Stan.


My case was dealt with personally by Stan Moffat and what a brilliant guy. His office contacted me personally by telephone at the start of my claim to explain who they were and what they would be doing for me. All through the case I was kept fully informed of all actions either by e-mail or by letter and reassured by Stan several times of any queries I had.

It is very seldom that a solicitor will take the time to speak personally at any time with you without getting run through secretaries etc. I commend this man for that as this was a very upsetting and important time for me and he did everything in his power to make this as easy and as swift as possible for me.

I highly recommend the service that this firm brings and the speed that they move at.

J McMahon

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