A dangerous new scam is happening on Britain’s roads whereby fraudsters deliberately crash into innocent victims in order to claim on their insurance. The so-called ‘flash for cash’ scam involves a fraudster flashing their lights to invite you to pull out, only to ram into you and subsequently claim you pulled out without checking first. It’s a shocking but potentially lucrative business for the fraudsters, who go on to make various bogus claims to their insurance company, often including fictitious passengers. This may include payouts for personal injury such as whiplash, loss of earnings, or fake bills for vehicle storage, recovery, repairs, and replacement car hire. Fraudsters are thought to target vulnerable-looking drivers such as the elderly or mums on the school run, in the hope these victims will be less likely to put up a fight about the accident appearing staged. Fake accidents are estimated to cost the insurance industry £392 million each year, according to the Insurance Fraud Bureau. It increases the cost of premiums for honest drivers and often delays genuine payouts while an insurer investigates if a claim is fraudulent. As well as the obvious risk of serious injury, these scams can be deeply distressing if you are a victim. It can also be expensive as it means your insurance premium will probably increase because you’ve been involved in an accident. So what should you look out for on the roads?