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: a high-risk job that nobody wanted, but for which the immigrants could be paid only $100. One such driver, Jose Luis Lopez Perez, died after a swoop and squat crash, [1] [2] 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. [3] [4]
The examples and perspective in this section may not represent a worldwide view of the subject.(July 2015) |
In recent years, authorities noted a significant increase in the number of staged accidents in Florida. [17] The state ranks number one in staged car accidents across the US according to the National Insurance Crime Bureau [18] [19] 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, [20] insurance companies are required to pay up to $10,000 per person for medical treatment, regardless of who is at fault. [21] Florida has since passed specific legislation (Florida Statutes 817.234) against faking a car crash in order to receive insurance money. [22]
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. [23]
An anti-lock braking system (ABS) is a safety anti-skid braking system used on aircraft and on land vehicles, such as cars, motorcycles, trucks, and buses. ABS operates by preventing the wheels from locking up during braking, thereby maintaining tractive contact with the road surface and allowing the driver to maintain more control over the vehicle.
A rear-end collision, often called rear-ending or, in the UK, a shunt, occurs when a forward-moving vehicle crashes into the back of another vehicle in front of it. Similarly, rear-end rail collisions occur when a train runs into the end of a preceding train on the same track. Common factors contributing to rear-end collisions include driver inattention or distraction, tailgating, panic stops, brake checking and reduced traction due to wet weather or worn pavement.
Automotive safety is the study and practice of automotive design, construction, equipment and regulation to minimize the occurrence and consequences of traffic collisions involving motor vehicles. Road traffic safety more broadly includes roadway design.
Internet fraud is a type of cybercrime fraud or deception which makes use of the Internet and could involve hiding of information or providing incorrect information for the purpose of tricking victims out of money, property, and inheritance. Internet fraud is not considered a single, distinctive crime but covers a range of illegal and illicit actions that are committed in cyberspace. It is differentiated from theft since, in this case, the victim voluntarily and knowingly provides the information, money or property to the perpetrator. It is also distinguished by the way it involves temporally and spatially separated offenders.
State Farm Insurance is a group of mutual insurance companies throughout the United States with corporate headquarters in Bloomington, Illinois. Founded in 1922, it is the largest property, casualty, and auto insurance provider in the United States.
Tailgating is the action of a driver driving behind another vehicle while not leaving sufficient distance to stop without causing a collision if the vehicle in front stops suddenly.
Advanced driver-assistance systems (ADAS) are technologies that assist drivers with the safe operation of a vehicle. Through a human-machine interface, ADAS increase car and road safety. ADAS use automated technology, such as sensors and cameras, to detect nearby obstacles or driver errors, and respond accordingly. ADAS can enable various levels of autonomous driving.
Insurance fraud is any act committed to defraud an insurance process. It occurs when a claimant attempts to obtain some benefit or advantage they are not entitled to, or when an insurer knowingly denies some benefit that is due. According to the United States Federal Bureau of Investigation, the most common schemes include premium diversion, fee churning, asset diversion, and workers compensation fraud. Perpetrators in the schemes can be insurance company employees or claimants. False insurance claims are insurance claims filed with the fraudulent intention towards an insurance provider.
In its broadest sense, no-fault insurance is any type of insurance contract under which the insured party is indemnified by their own insurance company for losses, regardless of the source of the cause of loss. In this sense, it is similar to first-party coverage. The term "no-fault" is most commonly used in the United States, Australia, and Canada when referring to state or provincial automobile insurance laws where a policyholder and their passengers are reimbursed by the policyholder's own insurance company without proof of fault, and are restricted in their right to seek recovery through the civil-justice system for losses caused by other parties. No-fault insurance has the goal of lowering premium costs by avoiding expensive litigation over the causes of the collision, while providing quick payments for injuries or loss of property.
A collision avoidance system (CAS), also known as a pre-crash system, forward collision warning system (FCW), or collision mitigation system, is an advanced driver-assistance system designed to prevent or reduce the severity of a collision. In its basic form, a forward collision warning system monitors a vehicle's speed, the speed of the vehicle in front of it, and the distance between the vehicles, so that it can provide a warning to the driver if the vehicles get too close, potentially helping to avoid a crash. Various technologies and sensors that are used include radar (all-weather) and sometimes laser (LIDAR) and cameras to detect an imminent crash. GPS sensors can detect fixed dangers such as approaching stop signs through a location database. Pedestrian detection can also be a feature of these types of systems.
A traffic collision, also known as a motor vehicle collision, or car crash, occurs when a vehicle collides with another vehicle, pedestrian, animal, road debris, or other moving or stationary obstruction, such as a tree, pole or building. Traffic collisions often result in injury, disability, death, and property damage as well as financial costs to both society and the individuals involved. Road transport is statistically the most dangerous situation people deal with on a daily basis, but casualty figures from such incidents attract less media attention than other, less frequent types of tragedy. The commonly used term car accident is increasingly falling out of favor with many government departments and organizations, with the Associated Press style guide recommending caution before using the term. Some collisions are intentional vehicle-ramming attacks, staged crashes, vehicular homicide or vehicular suicide.
The 2009–11 Toyota vehicle recalls involved three separate but related recalls of automobiles by the Japanese manufacturer Toyota Motor Corporation, which occurred at the end of 2009 and the start of 2010. Toyota initiated the recalls, the first two with the assistance of the U.S. National Highway Traffic Safety Administration (NHTSA), after reports that several vehicles experienced unintended acceleration. The first recall, on November 2, 2009, was to correct a possible incursion of an incorrect or out-of-place front driver's side floor mat into the foot pedal well, which can cause pedal entrapment. The second recall, on January 21, 2010, was begun after some crashes were shown not to have been caused by floor mat incursion. This latter defect was identified as a possible mechanical sticking of the accelerator pedal causing unintended acceleration, referred to as Sticking Accelerator Pedal by Toyota. The original action was initiated by Toyota in their Defect Information Report, dated October 5, 2009, amended January 27, 2010. Following the floor mat and accelerator pedal recalls, Toyota also issued a separate recall for hybrid anti-lock brake software in February 2010.
The Coalition Against Insurance Fraud is a coalition of insurance organizations, consumers, government agencies and legislative bodies in the United States working to enact anti-fraud legislation, educate the public, and provide anti-fraud advice. They are also a resource where consumers can find scam warnings, learn where to report fraud, and how to protect themselves.
The World Forum for Harmonization of Vehicle Regulations define AEBS. UN ECE regulation 131 requires a system which can automatically detect a potential forward collision and activate the vehicle braking system to decelerate a vehicle with the purpose of avoiding or mitigating a collision. UN ECE regulation 152 says deceleration has to be at least 5 metres per second squared.
A dashboard camera or simply dashcam, also known as car digital video recorder, driving recorder, or event data recorder (EDR), is an onboard camera that continuously records the view through a vehicle's front windscreen and sometimes rear or other windows. Some dashcams include a camera to record the interior of the car in 360 degrees inside camera, usually in a ball form, and can automatically send pictures and video using 4G.
Mohammed Mahee Ferdhaus Jalil is a Bangladeshi-born British businessman, founder of Channel S, owner of Prestige Auto Group and a television presenter.
The Acura TLX is a four-door entry-level luxury sedan sold by Acura, a luxury division of Honda, since 2014. It is the successor to both the TL and TSX models. As of 2021, the discontinuation of the RLX leaves the TLX as the flagship sedan in Acura's lineup.