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Tuesday, September 29, 2026

Manufacturing an accident: Keralam to bust repeat patterns behind fake insurance claims - The South First

Supreme Court has directed all States to probe motor vehicle insurance claims after it was found that fraudulent methods are being employed to cheat insurance firms.

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Synopsis: Keralam has formed a five-member Special Investigation Team to probe suspected fake motor accident compensation claims, amid concerns over forged accident, medical and insurance records and repeated use of the same vehicles and claimants. The team will use police, transport, medical and insurance databases to detect such fraud and ensure genuine accident victims are not denied rightful compensation.

A compensation claim filed after a road accident is often a lifeline for a family struggling with mounting hospital bills, loss of earnings or the death of a breadwinner.

But growing concerns about claims that may have been fabricated or manipulated have prompted the State to take a closer look at the darker side of motor accident compensation.

Acting on Supreme Court directions, the State is moving to set up a Special Investigation Team (SIT) to probe suspected fake and fraudulent motor accident claims. The exercise is also expected to focus on recurring patterns that could otherwise go unnoticed—including the repeated use of the same vehicle, driving licence, claimant or other common details across multiple cases.

The move follows the Supreme Court’s orders of 12 September 2023, 8 April 2025 and 16 April 2025 in Safiq Ahmad v. ICICI Lombard General Insurance...



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