The VanDyke Group | Staged Auto Accidents
Staged auto accidents are on the rise and so are our insurance premiums. What to do if this type of scam happens to you.
auto accident, staged car crash, auto insurance, scam
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31 May Staged Auto Accidents

According to the Federal Bureau of Investigation, staged accidents cost the insurance industry about $20 billion a year. Those losses get passed on to all of us in the form of higher insurance rates.

Here are three of the more popular auto scams to be aware of.

The Drive Down: You’re attempting to merge when another driver waves you forward. Instead of letting you in, he slams into your car. The driver will deny ever motioning you.

The Swoop and Squat: The first car “swoops” in while another “squats” in front of you. After the “accident,” passengers will file bogus injury claims with your insurance company.

The T-Bone: You’re crossing an intersection when a car coming from a side street accelerates and hits your car. When the police arrive, the driver and several planted “witnesses” claim that you ran a red light or stop sign.

So how can you protect yourself from these and other staged auto accidents? Use the following tips.

  • If you’re involved in an accident call the police immediately.
  • Report accident claims immediately. Don’t settle with cash on-site!
  • Be careful with your personal information – be mindful of identity theft.
  • If possible,  get names, addresses, and insurance information for all involved.
  • Take plenty of photos of both vehicles and accident scene.
  • Use medical, car repair, and legal professionals you know and trust.
  • Drive defensively…don’t tailgate!


The best way to protect yourself after an accident occurs is to take detailed notes. Remember to take pictures as well. The more you have, the more equipped you are to fight a fraudulent claim.

Source: 2016 Zywave, Inc

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Material posted on this website is for informational purposes only and does not constitute a legal opinion or medical advice. Contact your medical professional or legal representative for information specific to your needs.