Across the nation, insurance fraud from staged auto accident schemes costs the insured more than $50 billion yearly. Crashers is a true-to-life novel that uncovers how the innocent get lured into the scheme of "cappers" and "hammers."
Currently in film development with Impact Motion Pictures


Lindy S. Hudis is a graduate of New York University’s Tisch School of the Arts. She is the author of a suspense novel, Weekends. Her screenplay “The Lesson” was made into an independent film and was screened at the Seattle Independent Film Festival and Cine-Nights in 2000. She lives in California with her husband and two children.


A riveting story of love and desperation, greed and redemption.

Fraudulent car accidents is a multi-million dollar racket, involving unscrupulous medical providers, personal injury attorneys, and the cooperating passengers involved in the accidents—and who also receive a portion of the illegal proceeds. Such is the fate of newly engaged, Nathan and Shari, whose joy is tempered by the dark cloud of mounting debt.

A chance encounter with a stranger in whom Shari confides her troubles proves fortuitous: he tells her of a get-rich-quick scheme that will put her and her fiancé on easy street. Seduced by the chance to move from hard times to good times in no time, Sheri takes the carrot offered her, and finds herself acting as a “stuffed passenger”—the “victim” in a staged auto accident. The act goes according to plan and Shari gets her payday, but getting out and breaking free of the insurance fraud underworld will take nothing short of a miracle.

A modern day cautionary tale, Crashers is a true-to-life novel that uncovers how the innocent get lured into the scheme of “cappers” and “hammers.”

The real-world vocabulary of the capper world:

Capper—The person responsible for recruiting stuffed passengers who will be used to submit fraudulent claims to the insurance companies. Cappers are typically paid a percentage of the total receipts from the false claims. The cappers supply cooperating passengers for the participating attorneys and medical providers.

Stuffed Passengers—Individuals are recruited to make false claims regarding their involvement in automobile accidents. They are typically coached as to the details of the staged or fictitious collisions and resulting fictitious injuries.

Nail Car—The term used for the victim vehicle involved in the staged accident that is hit by the hammer car. The vehicle is often stuffed with passengers, who then file the fraudulent claims with the assistance of legal professionals.

Hammer Car—The term for the “at fault” vehicle in a staged accident that hits the nail car. This car is typically insured, and the insurer is often defrauded of an average of $6000 per claimant per accident.

Kickback—The fees paid to cappers by unethical attorneys and medical providers for the referral of accidents. These payments are often made in cash to conceal them from investigators.





"A split second is what lies between riches and death. "Crashers: A Tale of Cappers and Hammers" is a novel that explores the insurance fraud underworld, where cappers and hammers scam insurance agencies out of millions. Nathan and Shari, facing debt, are tempted by the big payday, but everything has a catch and Nathan and Shari will soon find it strongly. "Crashers" is an enticing read of get rich schemes and everything that goes with them." —Willis M. Buhle Reviewer - Mid West Book Review

An action-packed, cautionary tale of three young people with bright and promising futures—who pay a price for the age-old notion of ‘getting rich fast. —Suzanne DeLaurentiis, producer of Cheddar

We love this, and are anxious to see Crashers on the big screen. —Rene Leda, Synergetic Distribution

A riveting page turner. —Gerald I. Wolff, casting director, producer of Primary Suspect

A fast-paced story! Gripping.—Ron Russell, author of Don Carina

Fascinating and in its own way, a bit disturbing ... —Stephen J Downing, producer of Dead by Dawn