ABOUT THE BOOK
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”
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.