Staged Accident Claims Soar in Florida
DES PLAINES, IL - The number of suspicious auto accidents that were staged or deliberately caused by criminals in Florida has increased dramatically in the past year, according to the National Insurance Crime Bureau.
DES PLAINES, IL - The number of suspicious auto accidents that were staged or deliberately caused by criminals in Florida has increased dramatically in the past year, according to the National Insurance Crime Bureau.
An NICB study of questionable claims submitted by the bureau's insurance company members shows a 58-percent jump from 2008 to 2009.
According to the NICB report, Tampa had 487 questionable claims related to staged/caused accidents in 2009, a 290-percent increase over the previous year. Miami had 258, an 11-percent increase, and Orlando had 240, a 24-percent increase.
"South Florida used to be the focal point of these deliberate crashes," said NICB President and CEO Joe Wehrle. "While the Miami and Hialeah areas continue to show increased activity, the criminals have expanded their operation northward and Tampa is now at the epicenter of this crime trend."
Wehrle said the number of questionable claims for all insurance fraud increased 15 percent from 2008 to 2009 in Florida. But the 58-percent jump in the staged/caused accident category shows that criminals are taking advantage of the state's no-fault auto accident coverage.
"Previous industry studies have shown that among the 12 states that have no-fault coverage, Florida had the highest rates of fraud and buildup in both bodily injury and personal injury protection," Wehrle said. "The criminals who are staging and deliberately causing these accidents have been doing so because they can file claims for alleged injuries and collect big payments with little risk of getting caught."
Wehrle said the NICB is working to put a stop to that.
"Working with our insurance company and law enforcement partners, we created a Major Medical Fraud Task Force in South Florida in 2002 to focus on this type of insurance fraud," he explained. "That cooperative effort has resulted in numerous successes and the criminals are feeling the heat. That's one of the reasons they are moving up the state to the Tampa and Orlando areas. So we will soon be opening another Major Medical Fraud Task Force in Tampa to combat the issue there."
NICB just began a public awareness campaign in the Tampa area, using billboard and bus shelter ads, as well as radio spots, to urge people who suspect a staged accident scheme to call (800) TEL-NICB or text their information to TIP411, keyword "fraud."
More Safety

How 5-Second Telematics Data Is Changing Fleet Safety
This episode connects with Steve Santostasi of Ford Pro and covers how a few seconds of data can make a difference in fleet safety.
Read More →
Managing Road Risk at Scale: Why Fleet Safety Needs a Data-Driven Framework
Insights from the FIA Road and Driver Safety Indexes reveal how to manage road risk on a larger scale.
Read More →
Stellantis Recalls 1.3 Million Jeep Vehicles Worldwide Over Fire Risk
Stellantis is recalling more than 1.3 million Jeep Wrangler and Gladiator models worldwide over a fire risk linked to power steering pump wiring.
Read More →
Coaching Is Not Training, Even When AI Is Doing It
AI-powered safety platforms can detect risky behaviors and deliver immediate feedback. But effective driver development still requires a foundation of training followed by coaching that reinforces those skills.
Read More →
How Emotions Behind the Wheel Can Affect Fleet Safety
During National Safety Month, fleets are encouraged to look beyond distracted driving and recognize how stress, fatigue, and emotional well-being influence driver performance and crash risk.
Read More →
Nominations Open for 2026 Fleet Safety Award
Nominations have officially opened for the 2026 Fleet Safety Award Winner.
Read More →
Turning Connected Vehicle Data Into Decisions That Matter
Fleet leaders have more data than ever, but turning that data into clear, actionable decisions remains a challenge. This white paper shows how leading organizations are using connected vehicle data to improve safety, reduce costs, and optimize fleet performance. Learn how to turn insight into action across your fleet.
Read More →
Cameras, Safety and Insurance: From Reactive Claims to Real-time Prevention
Commercial auto remains one of the most challenging and costly lines of coverage for fleet operators and insurers alike. Learn more about how to effectively address these issues from Onur Aksan, Enterprise Business Development Executive, Geotab.
Read More →
NAFA Fleet Safety Symposium to Collocate With 2026 Fleet Forward Conference
The daylong certificate program will precede the Fleet Forward Conference at the Gaylord National Harbor in Maryland.
Read More →
The Distractions You Can’t Turn Off: What Drivers Face Outside the Vehicle
Fleet drivers face constant visual, cognitive, and environmental interruptions the moment they hit the road. From roadside chaos to mental fatigue and digital overload, today’s biggest driving risks often come from outside the vehicle itself.
Read More →
