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Crash for cash fraudster sentenced to two years in prison for staging car accidents

06 April 2017

A crash for cash fraudster who staged accidents in and around Kent has this week been found guilty of Conspiracy to Defraud, and today received a two year prison sentence.

Since 2011 Rameo Mohammed, previously known as Mohammed Sangak, was found to have staged accidents in and around the Medway area of Kent, over a four year period. Kent Police initially contacted the Insurance Fraud Bureau (IFB) after a significant amount of evidence was uncovered from a Chatham address linked to Mohammed, which they attended for an unconnected incident. The evidence seized included large amounts of insurance and identification documentation including hand drawn maps of supposed collisions, which was believed to be used to make fraudulent claims. The information was passed to IFB for further analysis to determine the true extent of the fraud.

Using its analytical software, which links together trends and patterns of suspicious behaviour, the IFB was able to connect the gang to over 315 claims for personal injury. The impact was felt across the industry with 20 insurers exposed to the gang’s activities.

At the same time as being sentenced for the fraud, Mohammed was also handed an eight year prison sentence for his involvement in human trafficking, a separate investigation led by Kent Police. In an extreme attempt to validate his claims fraud with insurers, Mohammed was even using the identities of those he smuggled into the country to fuel the fraudulent activity. As the main orchestrator of this criminal network, it’s likely he was personally reaping the financial benefits of all the gangs’ activities for a significant length of time.

Yet he was still looking for more ways in which to make more money. Upon further investigation, it became clear the claims were being managed through an organisation set up specifically by Mohammed to facilitate the fraud. Through this company, additional fees were being added on top of the claim pay-outs he was receiving.

Ben Fletcher, Director of the Insurance Fraud Bureau (IFB), said: “It’s clear that Mohammed was at the heart of a very sophisticated criminal gang that had little regard for the safety and wellbeing of others. We know that crash for cash fraudsters pose a significant risk to society and we see all too often that they are involved with other wider and more serious criminality. They are fuelled by greed and try to exploit every opportunity regardless of the impact it has. This impact is not only physical but also has a significant cost associated to it, as we estimate crash for cash costs the industry £336m per year, and it is ultimately premium-paying motorists who foot the bill.”

Kent Police Detective Constable Philip Kershaw said: “Mohammed was a significant figure of a highly organised crime group. Motivated by greed, he targeted the insurance industry to commit fraud on an industrial scale. This type of criminality ultimately hits all policy holders in the pocket. I am grateful for the assistance given by the IFB, whose input and commitment to this investigation has been invaluable.”

Members of the public can play their role in fighting back against ‘crash for cash’ scams and other types of insurance fraud by reporting what they know to the Cheatline. The Cheatline, powered by Crimestoppers, is a free service that enables the public to anonymously report information or suspicions about insurance fraud by calling 0800 422 0421 or reporting online at All information provided to the Cheatline is treated in the strictest confidence.