insurance
Representational image of two businessmen arguing about damaged cars Getty Images

In a YouTube video posted Friday, a man can be seen faking an accident by jumping in front of a car driven by a woman in what seems to be an insurance fraud. The video, recorded on the dash cam installed in the woman’s car, has gone viral since it was posted and received over 840,000 views.

The video shows the woman driving the car when the man pushing a motorbike abruptly appears from the left side of the road and stops in front of the car. He then manually reverses the bike towards the car, hits it against the bumper and bodily throws himself onto the hood of the car and falls on the road. The woman can be heard shouting in the car, saying, “What the hell, you idiot!” and then “Oh my God!” before she gets out of the car.

Another man joins the motorist and seems to be shooting the entire scene on his phone camera. When the woman tells them she has a camera, both the motorist and the bystander run in opposite directions. However, the bystander can be seen running behind the motorist after he waves, asking him to follow, indicating they may have been accomplices. According to the footage, the incident occurred on July 2, 2017, at an undisclosed location in the United Kingdom.

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The description of the video points towards the motorist’s possible motive — insurance fraud, saying: “Dashcam shows a man intentionally trying scam driver for a possible insurance claim. Little did the scammer know the driver had a dashcam of her own.”

According to reports, the scam the motorist tried to pull off is already widely prevalent around the world. Staged car accidents for insurance are typically carefully planned and practiced and involve common schemes. One of them sees the insurance fraudsters jump out from crowded pavements and dive in front of cars and taxis in a bid to claim thousands in compensation. A 2015 report in the Irish Mirror said taxi drivers in Dublin were arming their motors with sophisticated dashboard cameras to outsmart fake victims.

In the U.S., according to law enforcement officials, fraud factors into as many as 1 out of every 3 auto insurance claims in New York City. The problem may be even worse in Los Angeles, which generates the most questionable claims potentially linked to organized crime. Groups at risk of being victims include people with luxury cars and new vehicles, as they have higher insurance limits, and women and older adults, as they are easier to intimidate.

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DMV.org, a website that provides driver-related information and services, provides tips for handling a fraudulent accident. According to the site, staged car accident scam artists are vulnerable to facts. One can also take tips from what the woman did in the above case — take notes or record the vehicle registration information, the general height and weight of the other car's driver and passengers among other things. According to the instructions, it is also imperative that you call the police if you suspect that you were in a staged accident.