OP 09 May, 2022 - 10:04 AM
Here's some sauce for the community. Idk where to post this guide but this is tried and tested:
TLDR
Step 1: Identify a COMMERCIAL VEHICLE that does not have a dashcam**.** This is a crucial step. Businesses have to carry commercial general liability insurance and the per accident/payout tends to be considerably greater than a personal policy. I have seen coverage up to ~$1m as a norm. The ordinary joe schmo will have minimum liability coverage $15k/$30k and it will be tough to extract anything of real value from that after fees/bills are expended. Not sure what a commercial vehicle is? Look for vans tagged with business' name/logo. Think about Quest Diagnostics or Spectrum Vans transporting fresh batches of urine and feces to the lab/your house.
Step 2: Ascertain whether target's car (I'll call them "Victim" hereafter) has a forwards facing dash cam. Some business owners require this. Most do not though. This is crucial for obvious reasons as our ultimate goal in stage 1 is to establish liability while maintaining OPSEC. You don't want to end up being found at fault or allowing the other party to produce probative, tangible evidence that this was a setup.
Step 3: Driver A pulls infront of Victim's vehicle while Driver B travels at or around the exact same speed as Victim parallel. This is to essentially block the victim in. If you are working as a tandem, you will end up being each others witnesses if necessary. Is Victim is on their cell phone? Great! Even better. Make note of this to the police when they arrive. (See below for getting LEOs to respond). All things equal, the Victim will almost certainly rear end you if you give them a good enough break check. Wait till they become inpatient and begin tailing you closer and closer then just when they get too close, pow give your breaks a thud, and they wont be able to stop in time. Are you going to be hurt? Maybe. You are pulling off this ridiculously amazing scheme. The nerves are kicking in. Are you going to die? Hell no. You're not going to be severely injured in the collision. Of course for obvious reasons, thats not the game you will be playing (we are calling an ambulance and complaining about whiplash and backpain to the police and first responders).
TIP: If you have reserve dough, get yourself a rear facing dash cam and capture the collision on camera. You will obviously only keep footage that is beneficial to your case. Your story: I saw traffic decelerating so I applied my breaks when I was struck in the rear by Victim. Accident reconstructionist, police, etc. will almost certainly side with you as it pertains to liability. How fast were you going? The speed limit. End of story. Nothing more, nothing less.
Step 4: Call 911 immediately after the accident, and pay attention here, report that there is an injury. You will want to take an ambulance to the hospital (build up those medical bills), and secondly, the police are not inclined to take reports always, or even respond, to MVAs that dont involve an injury. So don't give them the chance to stay at the station eating donuts. You better tell the operator someone is hurt and you need both police and medical.
Step 5: Gather as much evidence as you can. If you are worried the police may not side with you, give them a fake name/number to your dummy drop line. Say that a witness gave you their info but couldnt wait around. The police will likely call this person and ask for their rendition of the facts. They will not verify the person or the number. You answer when the police call and say Victim was driving aggressively and tailing ILPTer when he was unable to decelerate in time because he was following to close. End of story. You do this from the confines of your own vehicle so the other person doesn't hear or say shit in response. In all likelhood they will never see from you again, hear from you again, or read the final draft of the traffic collision report but I can promise you one thing. John Doe's witness statement will find its way in there and it will be persuasive authority for the police officer who is making the decision as to whom is liable for causing the collision.
Step 6: Find a savvy Plaintiff's attorney who specializes in personal injury. A good one isn't going to be from the best law school. They aren't going to have the funniest commercials. They will have the best case managers: These are the grunt workers who will set you up with a chiropractor first, xrays second, chiro discharge then orthopedist, Xrays again/MRI, possible physical therapy, possible accupuncture. etc. They make sure you make your appointments too. Time off work ? No problem, thats recoverable as loss of earnings/wage claim. Your damages will be determined base on the amount actually paid to the doctors. The evil trick that they all play is treating you on a "lien basis" which means they are entitled to payment out of your settlement(in the future) rather than immediate payment. In exchange for taking the case on a lien, and not collecting money upfront, the Doctor will bump their regular rates up by like 3x. A 200$ office visit becomes as $1200 consultation etc. They are banking on exploiting the insurance company alongside the lawyer, the other health care professionals, and of course, YOU!
Again there are a few key points:
1- this is solely for informational purposes and is not intended to endorse a particular scheme for defrauding insurance. It is from my crude experience I have learned the ins and outs of insurance claims, motor vehicle accidents, and liability determinations.
2-Commercial vehicle or UI coverage. Again, you need to pick your target well or take out underinsured/uninsured motorist coverage through your own insurer(this is smart but increases cost of operation so keep that in mind). Basically puts your insurance carrier responsible for the excess in damages, and their responsibility to try and collect that from the negligent Victim/Defendant. Your premiums won't go up if its not your fault but you will have a higher base premium with this added coverage should you so choose.
3-Pack the target car if you want! You and the entire group of homies can file a claim against Victim for the rear ender. It will be called a "damages case" for each and everyone of you. A damages case is where liability is not contested but the amount of treatment, the efficacy/cost, etc. are what it is at issue and what is litigated. Eitiher way, as absurd as this may sound, the biggest absurdity is that the case will almost always settle before trial, regardless of whos at fault, how big the damages are, etc. It is the way of life. Unless you or your attorney royally screw up and bite off more than you can chew, throwing out absurd medical charges, this is an easy, sure-fire way to make money for the desperate and needy.
Knowledge is power
TLDR
- Payout: 50,000
- Total time to complete: 2-3 years
- Risk to ILPTer: Low
- Reward: Modest
Step 1: Identify a COMMERCIAL VEHICLE that does not have a dashcam**.** This is a crucial step. Businesses have to carry commercial general liability insurance and the per accident/payout tends to be considerably greater than a personal policy. I have seen coverage up to ~$1m as a norm. The ordinary joe schmo will have minimum liability coverage $15k/$30k and it will be tough to extract anything of real value from that after fees/bills are expended. Not sure what a commercial vehicle is? Look for vans tagged with business' name/logo. Think about Quest Diagnostics or Spectrum Vans transporting fresh batches of urine and feces to the lab/your house.
Step 2: Ascertain whether target's car (I'll call them "Victim" hereafter) has a forwards facing dash cam. Some business owners require this. Most do not though. This is crucial for obvious reasons as our ultimate goal in stage 1 is to establish liability while maintaining OPSEC. You don't want to end up being found at fault or allowing the other party to produce probative, tangible evidence that this was a setup.
Step 3: Driver A pulls infront of Victim's vehicle while Driver B travels at or around the exact same speed as Victim parallel. This is to essentially block the victim in. If you are working as a tandem, you will end up being each others witnesses if necessary. Is Victim is on their cell phone? Great! Even better. Make note of this to the police when they arrive. (See below for getting LEOs to respond). All things equal, the Victim will almost certainly rear end you if you give them a good enough break check. Wait till they become inpatient and begin tailing you closer and closer then just when they get too close, pow give your breaks a thud, and they wont be able to stop in time. Are you going to be hurt? Maybe. You are pulling off this ridiculously amazing scheme. The nerves are kicking in. Are you going to die? Hell no. You're not going to be severely injured in the collision. Of course for obvious reasons, thats not the game you will be playing (we are calling an ambulance and complaining about whiplash and backpain to the police and first responders).
TIP: If you have reserve dough, get yourself a rear facing dash cam and capture the collision on camera. You will obviously only keep footage that is beneficial to your case. Your story: I saw traffic decelerating so I applied my breaks when I was struck in the rear by Victim. Accident reconstructionist, police, etc. will almost certainly side with you as it pertains to liability. How fast were you going? The speed limit. End of story. Nothing more, nothing less.
Step 4: Call 911 immediately after the accident, and pay attention here, report that there is an injury. You will want to take an ambulance to the hospital (build up those medical bills), and secondly, the police are not inclined to take reports always, or even respond, to MVAs that dont involve an injury. So don't give them the chance to stay at the station eating donuts. You better tell the operator someone is hurt and you need both police and medical.
Step 5: Gather as much evidence as you can. If you are worried the police may not side with you, give them a fake name/number to your dummy drop line. Say that a witness gave you their info but couldnt wait around. The police will likely call this person and ask for their rendition of the facts. They will not verify the person or the number. You answer when the police call and say Victim was driving aggressively and tailing ILPTer when he was unable to decelerate in time because he was following to close. End of story. You do this from the confines of your own vehicle so the other person doesn't hear or say shit in response. In all likelhood they will never see from you again, hear from you again, or read the final draft of the traffic collision report but I can promise you one thing. John Doe's witness statement will find its way in there and it will be persuasive authority for the police officer who is making the decision as to whom is liable for causing the collision.
Step 6: Find a savvy Plaintiff's attorney who specializes in personal injury. A good one isn't going to be from the best law school. They aren't going to have the funniest commercials. They will have the best case managers: These are the grunt workers who will set you up with a chiropractor first, xrays second, chiro discharge then orthopedist, Xrays again/MRI, possible physical therapy, possible accupuncture. etc. They make sure you make your appointments too. Time off work ? No problem, thats recoverable as loss of earnings/wage claim. Your damages will be determined base on the amount actually paid to the doctors. The evil trick that they all play is treating you on a "lien basis" which means they are entitled to payment out of your settlement(in the future) rather than immediate payment. In exchange for taking the case on a lien, and not collecting money upfront, the Doctor will bump their regular rates up by like 3x. A 200$ office visit becomes as $1200 consultation etc. They are banking on exploiting the insurance company alongside the lawyer, the other health care professionals, and of course, YOU!
Again there are a few key points:
1- this is solely for informational purposes and is not intended to endorse a particular scheme for defrauding insurance. It is from my crude experience I have learned the ins and outs of insurance claims, motor vehicle accidents, and liability determinations.
2-Commercial vehicle or UI coverage. Again, you need to pick your target well or take out underinsured/uninsured motorist coverage through your own insurer(this is smart but increases cost of operation so keep that in mind). Basically puts your insurance carrier responsible for the excess in damages, and their responsibility to try and collect that from the negligent Victim/Defendant. Your premiums won't go up if its not your fault but you will have a higher base premium with this added coverage should you so choose.
3-Pack the target car if you want! You and the entire group of homies can file a claim against Victim for the rear ender. It will be called a "damages case" for each and everyone of you. A damages case is where liability is not contested but the amount of treatment, the efficacy/cost, etc. are what it is at issue and what is litigated. Eitiher way, as absurd as this may sound, the biggest absurdity is that the case will almost always settle before trial, regardless of whos at fault, how big the damages are, etc. It is the way of life. Unless you or your attorney royally screw up and bite off more than you can chew, throwing out absurd medical charges, this is an easy, sure-fire way to make money for the desperate and needy.
Knowledge is power
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