Beware of Fake Car Accident Scams Targeting Essex Drivers
Updated: Oct 26
Imagine a phone call from someone who says you were in a car accident yesterday, a crash you do not remember at all. The caller sounds official, uses legal terms and pushes you to act fast. This kind of call is a known scam in Essex and across the UK, and it relies on you feeling worried enough to hand over details or money before you think.
How the fake car accident scam works
They pose as someone you trust. Callers claim to be from an insurer, a solicitor or a claims company, sometimes with a number that looks genuine.
They say you were in an accident. Often they suggest you were at fault, or that a claim is already being made against you.
They use pressure and jargon. Urgent language and a made-up reference number are there to make you panic.
They ask for details or payment. Personal information, policy details, bank details, or a quick payment to settle the matter.
Why people fall for it
Fear of higher premiums or legal action if the call is ignored.
Not being sure whether a small bump or near miss was ever reported.
Natural trust in people who sound official.
Pressure that leaves no time to stop and check.
Warning signs to watch for
An unexpected call about an accident you cannot place.
Pressure to decide or pay straight away.
Requests for personal, insurance or bank details over the phone.
A claim reference that your insurer has never heard of.
A caller who will not let you ring back on an official number.
What to do if the call comes
Hang up. Then call your insurer on the number printed on your policy documents or their website, and ask whether there is any claim on your record. If there is not, you have your answer.
Never share personal or financial information on a call you did not start.
Take your time. A genuine company will not mind you checking.
Report the call to Report Fraud at reportfraud.police.uk or on 0300 123 2040. If you have paid anything, call your bank straight away, or dial 159 to be put through to them.
If a parent or relative of yours is likely to be rattled by a call like this, it helps to talk it through together and agree on one rule: no details and no money until they have checked with someone they trust. Essex Home Support offers non-medical home help from £27 an hour, with no contract. See our home help services or call 07719 634112.
