Police Crack Auto Insurance Fraud Operation 不法集團涉假車禍詐保606萬 起訴9人

Police have cracked a car insurance fraud case in Taichung. The nine-member fraud ring manufactured late-night accidents on roads without surveillance cameras, then filed insurance claims.

A sedan traveling at 100 kilometers per hour crashes into a truck. The truck spins 180 degrees before crashing into the two cars in front of it. While it looks like the accident was caused by a speeding driver that lost control of his vehicle, it was actually a manufactured crash to collect insurance. A car dealer surnamed Huang came up with the idea last September. His employee surnamed Lu recruited eight others to join the ring either as perpetrators or victims. The ring collected NT$6.06 million in insurance claims from five accidents.

Chuo Chun-chung, Deputy Chief Prosecutor, Taichung District Prosecutors Office: “Between October 2019 and June 2021, insurance companies were defrauded of NT$6.06 million in five separate cases.”

Lu manufactured high-speed crashes late at night or early in the morning on roads without surveillance cameras. The drivers of the cars causing the crashes were under orders to make sure engines were destroyed. The "victims" would then use police reports to file insurance claims. Taichung prosecutors closed the investigation on the 20th and indicted the nine members of the ring.

Chuo Chun-chung, Deputy Chief Prosecutor, Taichung District Prosecutors Office: “Of the 17 vehicles that were damaged, five involved innocent victims. The nine defendants have been charged with fraud and other offenses.”

Prosecutors say the case was brought to their attention by the Criminal Investigation Bureau after an insurance company suspicious the accidents weren't real accidents filed a report with the Institute of Financial Law and Crime Prevention.

 

轎車以將近100公里的時速撞上路邊的小貨車，遭撞的車輛翻轉180度後，又衝撞到前方的兩輛轎車，看似車速太快導致車輛失控，但其實是不法分子為了騙取保險金，精心設計的假車禍。

去年9月一名黃姓車商想出來的這套詐財手法，結果他的盧姓員工有樣學樣，找來8位撞車手與報案手，也來做同樣的違法勾當，犯下5件詐領保險金案，不法所得606萬元。

台中地檢署襄閱主任檢察官卓俊忠表示:「108年10月開始，一直到今年的6月間，總共發生了5件詐領保險案，總共詐領保險金額606萬。」

盧姓集團不僅有專業分工，還利用深夜或凌晨，挑選沒有監視器的路段、停放在路邊車輛高速撞擊，並要求撞車手一定要把引擎撞到壞，接著報警取得事故證明後，再向產險公司申請全額理賠，台中地檢署20日偵查終結，依詐欺取財罪嫌起訴盧姓男子等9人。

台中地檢署襄閱主任檢察官卓俊忠表示:「遭撞毀的車輛約有17輛，其中有5件是無辜被害人的車輛，本案被告9人涉犯加重詐欺等罪嫌，依法提起公訴。」

檢方表示，整起案件是財團法人金融法制暨犯罪防制中心，去年透過起疑的產險公司通報舉發，刑事局中打隨即報請檢方指揮偵辦，查出盧男等人的違法犯行。