Red flag fraud indicators—checklist
Published by a LexisNexis PI & Clinical Negligence expert
ChecklistsRed flag fraud indicators—checklist
Published by a LexisNexis PI & Clinical Negligence expert
Checklists
Claimant
Claimant's history
Does the claimant have a history of making personal injury claims? This can be checked through the Claims Underwriting Exchange (CUE) database, which tracks all claims made against an insurer.
Nature of the injuries
Are they consistent with and in proportion to the severity of the accident?
High occupancy
While high occupancy on its own would not indicate fraud, it could be a factor to be taken into account when there have been accusations of an induced or staged accident.
No reason to stop
If the defendant insists the claimant’s vehicle stopped for no reason, it could indicate an induced accident.
Late reported claim
While claimants usually have three years to bring a claim, if a claim is presented to an insurer over six months post-accident without any viable explanation as to why (eg the claimant has had an extended hospital admission, or their insurer had difficulty tracing the defendant’s insurer), then there is an enhanced possibility the claim has been farmed.
Phantom passengers
If there are more claimants than
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