Dashcam footage exposes police officer’s fraudulent insurance claim

A serving police officer, who claimed a piece of debris cracked the windscreen of his car causing injury and vehicle repair costs, has been sentenced after dash cam footage exposed his insurance claims as fraudulent.

• The man claimed debris fell from a van in front of his car and cracked his windscreen
• Dashcam footage revealed it was a piece of polystyrene and missed his car
• Enquiries with the other driver confirmed there was nothing else in the van at the time

A serving police officer, who claimed a piece of debris cracked the windscreen of his car causing injury and vehicle repair costs, has been sentenced after dash cam footage exposed his insurance claims as fraudulent.

On Tuesday 11 February 2020, Mohammed Yasin Mulla, 38, of Elwyn Grove, Bradford, was sentenced to 250 hours unpaid work to be completed within 12 months, plus court costs. He was found guilty, by a unanimous verdict from the jury, of one count of fraud by false representation following a five day trial at Leeds Crown Court.

City of London Police Detective Constable Peter Gartland, who led the Insurance Fraud Enforcement Department's investigation, said:

“This case shows that no-one is above the law. The Insurance Fraud Enforcement Department works to identify and punish fraudsters, irrespective of their profession.

“Police officers are expected to be honest and act with integrity, and the vast majority do, but cases such as this one threaten to damage the police’s reputation.

“Mulla’s deceitful actions also harm the general public and have a knock-on effect by causing insurance premiums to increase.”

Mulla, a police officer at West Yorkshire Police, first came to the attention of the City of London Police’s Insurance Fraud Enforcement Department (IFED) in January 2018, following a referral by Allianz Insurance who suspected he’d made a fraudulent claim.

He had told them that whilst driving his car along the M606 in Bradford, a piece of debris flew off the van in front and cracked his car’s windscreen, and caused additional damage to the bonnet and roof. Mulla also stated that the incident led to injuries to his neck and shoulders because he had to swerve and brake suddenly.

Allianz then received a series of claims from an accident management company that was representing Mulla, including the cost of a hire vehicle provided to him, repairs to his vehicle and personal injuries he’d sustained. In total, these claims amounted to approximately £10,000*.

In reality, dash cam footage from Mulla’s car revealed that a piece of polystyrene flew towards his car but missed the windscreen and the bonnet. It didn’t cause any damage to the vehicle, nor did it cause Mulla to swerve or brake suddenly to try and avoid it. There was previous damage on his car, which he claimed was caused by the alleged piece of debris.

To further dispel Mulla’s claim, subsequent enquiries by IFED officers and Allianz with the driver of the van confirmed that it was empty at the time of the alleged incident, other than some polystyrene packaging.

Despite Allianz contacting the accident management company on two separate occasions requesting the original dash cam footage, a copy of the engineer’s report of the vehicle and the invoice for the hire vehicle, none of it was provided and so they rejected the claim.

James Burge, Allianz’s fraud manager said:

“This case demonstrates Allianz’s zero tolerance approach towards fraud. It is all the more disconcerting that Mulla was a serving police officer at the time and proves no one is outside of the law.

“Dashcam footage is increasingly providing key evidence to combat fraudulent motor claims. What was unusual in this case, was that the defendant provided the dash cam footage that ended up incriminating him.

“The sentence handed to Mulla sends a clear message that insurance fraud is a crime and those that commit it will be punished in the same vain as all other criminals”.

Detective Superintendent Richard Crinnion, of West Yorkshire Police’s Professional Standards Directorate, said:

“West Yorkshire Police expects the highest standards from its officers and staff.

“This case was progressed through the criminal justice system and we note the outcome of today’s hearing.

“The Force’s Professional Standards Directorate continues to progress its own investigation into the matter, and with criminal proceedings concluded, we will now consider the most appropriate course of action. The officer has been on restricted duties and we will now be reviewing his position.”

The City of London Police understand that Mulla has lodged an appeal about his conviction.