Tag Archives: Insurance

Fraudsters on the Road

Fraudsters on the Road

‘Crash For Cash’ (CFC) scams are officially defined by the Insurance Fraud Bureau (IFB) as a scam that aims to “stage or deliberately cause a road traffic collision solely for the purpose of financial gain. Crash For Cash scams are a very serious and widespread issue in the UK. It’s estimated the scams cost motorists around £340 million a year, and over the years these CFC scams have become more and more sophisticated.  It’s bad enough having to be alert to email and internet scams all the time without having to dodge criminals on the roads too but that is the world we now live in.

There are numerous criminal gangs staging road traffic accidents and the following (potentially very dangerous) methods are just a few examples of the ways in which the average driver can be swindled:

Most commonly happens when there’s a lot of traffic. The other driver waves for you to merge into their lane. As you join it, the car speeds up and collides with your vehicle. The other driver will then deny offering you the right of way and will assert that you were at fault for ‘cutting them up’.

Swooping and squatting
This scam requires two fraudsters. As you’re driving along, a car will pull out on the driver in front, forcing them to brake suddenly. Even if you’re moving at a slow speed there’s still a high risk of a collision. The car that pulled out in front will be the ‘swoop’ and they will leave the scene quickly. The car in front of you will be the ‘squat’ and is likely to be filled with passengers that all claim injury if you have the misfortune to run into the back of them.  You can practically see the pound signs in their eyes!

Also called ‘flash for cash’. When trying to pull out of a junction, a driver will ‘flash’ their lights indicating that he/she is letting you out. As you pull out, the driver will accelerate and crash into you. As you’re pulling into a lane of oncoming traffic, you’re at fault.  How you deal with the aftermath of such a collision is critical to a good outcome for you and your insurance company.

Slamming on
The fraudster will disconnect their brake lights (a brazen act of illegality) and then slam them on for no apparent reason. You won’t realise until it’s too late and a collision has occurred.  Of course, he or she will blame you for not maintaining an adequate distance but brake lights are fitted for a very good reason, to warn other motorists, and you would be a victim in such circumstances.

To protect yourself from these types of frauds, remember to always keep a safe braking distance from the vehicle in front of you and drive responsibly. If you’re unsure of another driver’s signalling to you be very cautious; protect yourself always.

If you do get involved in a suspicious road traffic accident take your time and make sure you have as many details as possible of the driver and passengers, and any witnesses at the scene.  If possible, take multiple pictures of the damage to both vehicles, the general layout of the road, and some of the driver and any passengers might not be a bad thing either.  Not letting anyone drive off until you have all the details might make them think twice about pursuing a dodgy claim anyway.  If you are suspicious that you’re being set up as the target of a fraudster, do not for a second hesitate to contact the police to attend the scene.

If you believe you’ve become victim of “crash for cash” fraudsters contact Michael McGhie today on 01202 877400 or via his email michaelmcghie@newnham-jordan.co.uk!

Suffered a Personal Injury? Are you being pressured to accept an offer?

When a Claimant has been injured as a result of an accident, whether that be at work, in a car or in a public place, and the other party has already accepted the accident was their fault, many insurance panel solicitors or larger firms will often pressurise a Claimant into accepting an offer simply to close the case without any real thought of whether that offer truly compensates the innocent party. Turnover of cases is king to such firms.

This will not happen at Newnham & Jordan Solicitors. We often take over cases from insurance panel solicitors who attempt to pressurise their clients to accept what is known a pre-medical offer or accept offers which fall far short of what their client is perfectly entitled to receive.

You, as an injured party, may still be experiencing symptoms when offers are on the table, even if you have already seen a medical professional. You may not agree with that professional’s opinion and prognosis. The best course of action in such cases would be to send you for another medical examination and obtain a Consultant’s medical report on your injuries which will (a) give a much more detailed prognosis for your health and (b) allow us to determine in much more detail what your injury is actually worth. We at Newnham & Jordan are in a position to do this for you.

Remember, many insurance companies want to keep costs down. A far more detailed report and proper expert advice can ensure that you receive what you are actually entitled to.

We are accustomed to taking over cases from national personal injury firms. If you want to receive the correct amount of compensation for your injury then our personal injury department at Newnham & Jordan is ready to represent you.

Suffered a Personal Injury?  Are you being pressured to accept an offer?

How important is Third Party Liability Insurance for Pets?

We all think that “it will never happen to me” and quite often it doesn’t but for some people the lack of Third Party Liability Insurance, or inadequate cover, has been devastating.

To a great extent, if we take sensible precautions, carryout risk assessments on our surroundings as we go about our individual businesses, then all being well we will avoid the necessity of ever having to rely upon having such insurance being available.  Most of us will have some third party liability cover  as part of our buildings and contents insurance for accidents to third parties around our home.

But what about our animals? ……
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