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Three Wirral men sentenced for making up car crash to con insurer

Three men from Wirral who invented a car crash in a bid to con £51,000 from an insurer have been given suspended jail terms at Liverpool Crown Court, following an investigation by the City of London Police’s Insurance Fraud Enforcement Department (IFED).

Terance Price, Scott McCready and David Williams had previously admitted to making up the ‘accident’ and then submitting phoney claims to esure for whiplash injuries and damage to their cars.

Price reported to his insurer that his VW Passat had hit a BMW on the Heath Road in the Wirral area in August 2010. His sister-in-law Susan Price and two other family members also reported that they were in the car at the time of the ‘incident’.

McCready subsequently reported to esure that he was driving the BMW at the time of the reported crash and was carrying his five-month-old daughter and friend David Williams.

The passengers supposedly in the cars at the time of the ‘crash’ all subsequently submitted personal injury claims, supported by medical reports, to the insurer. Price and McCready also claimed for damage to their cars, with McCready submitting invoices for car hire replacement costs. There were also claims for recovery and storage fees from a claims management company, Car Logix.

The scam unravelled when esure discovered contradictions in the claims about the driving conditions on the day of the ‘crash’ and that McCready and Williams had lied in their medical reports about their accident and claim histories.

Further proof of the conspiracy came when a forensic examination of the VW Passat and BMW revealed that the cars had not been damaged in the way described to the insurer, with both cars likely to have been involved in collisions with other objects.

As a result, in January 2012 the insurer made a referral to IFED. Detectives travelled to Wirral in November 2013 and arrested McCready and Susan Price. They also interviewed Terance Price and Williams.

A mobile phone seized from McCready revealed Terance Price’s telephone number saved as “Terry P”, indicating to detectives that the pair had not just exchanged details after the ‘accident’ but knew each other well.

The four were subsequently charged with conspiracy to commit fraud by false representation.

On 23rd January 2015, at Liverpool Crown Court, Terance Price, McCready and Williams each pleaded guilty to the charge. Following advice from the CPS, the Judge decided the charge against Susan Price should lie on file.

DS Matthew Hussey, whose team led IFED’s investigation, said: “These three men thought they could hoodwink esure by dreaming up a two-car crash on a Wirral road and then submitting thousands of pounds worth of claims for ‘injuries’ and other expenses related to the ‘accident’.

“But their tall tale completely unravelled when scrutinised by the insurer and Insurance Fraud Enforcement Department detectives, which has today resulted in all three men getting a criminal record.”

David Pitt, esure’s Chief Operating Officer, stated: “Our investigation teams work closely with IFED to ensure fraudsters are brought before the courts to stop the premiums of honest drivers being pushed up by the criminal behaviour of a few. This case is part of our drive against so called ‘crash for cash’ fraud and it is hoped that sentences such as these will deter others willing or persuaded to take part in fabricated claims. Criminal prosecution has never been more likely in such cases."

Earlier today (18th February) at Liverpool Crown Court, the following sentences were given:

  • Terance Price, 48, of Carey Avenue in Birkenhead, was handed a 12 month prison term suspended for 18 months and ordered to undertake 200 hours unpaid work.
  • Scott
  • McCready, 31, of Jackson Close in Birkenhead, was also handed a 12 month prison term suspended for 18 months and ordered to undertake 200 hours unpaid work.
  • David Williams, 38, of Portia Avenue in Birkenhead, was given an eight month prison term suspended for 18 months and ordered to undertake 200 hours unpaid work. ​