Rajasthan: A fake accident claim racket involving luxury cars, insurance company employees and car workshop staff has come under CBI investigation in Rajasthan. The officials found that claims worth more than ₹1.23 crore were allegedly raised against 48 vehicles over a period of four years. The case centres on claims made for Mercedes, Fortuner and other high-end vehicles by showing fake accidents and routing insurance money into accounts. These accounts were linked to persons other than the actual vehicle owners.
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Insurance Claim Pattern Raises Suspicion
The alleged racket had been running since 2019 and came under scrutiny after an insurance company noticed a rising number of repeated claims within the same district. According to the visible details, the claims were linked to vehicles in Sikar, Churu, Sujangarh, Jhunjhunu and Nagaur.
The matter reached the CBI after the insurance company observed unusual claim patterns. The agency has reportedly registered FIRs after investigation, with the Rajasthan ACB also associated with the action. A raid was conducted on September 1, 2025, at the office of New India Assurance Company in Sikar, where surveyor Prateek Chotia was questioned.
Two Case Studies Reveal Modus Operandi
In one case cited in the report, a person in Churu allegedly sent a super luxury car for servicing to Shri Ganga Vehicles workshop in March 2022. After the vehicle returned from servicing, workshop staff allegedly informed insurance officials that the car was a luxury vehicle and a large claim could be raised. Fake accident documents were then allegedly prepared, and the details of another person, Pawan Jangid, were entered in place of the real owner. Due to alleged collusion, more than ₹6.17 lakh was credited to Pawan Jangid’s account within a few days.
In another case, a new Fortuner car was sent for servicing to Shri Krishna Forewheels workshop in Sikar in September 2020. After servicing, the workshop manager and insurance company officials allegedly replaced the real owner with a woman named Sumita in the claim form. Her mobile number, cheque and account details were entered, and more than ₹5.85 lakh was later credited to her account. The report states that the money was subsequently distributed among those involved.
Fake Owners, Mule Accounts and Repeated Claims Under Probe
The CBI suspects that the accused used mule bank accounts to receive claim money. Such accounts are often opened in the name of unknown persons and then used by offenders through inducement or deception. The report says dummy owners were created, forged claim documents were prepared, and fake accidents were shown to get claims approved.
The alleged network also monitored luxury cars coming to workshops for servicing or other work, particularly vehicles whose company, model and colour matched previously damaged cars. Photographs of damaged luxury vehicles were uploaded carefully to avoid easy identification of the original and fake vehicles. Insurance claim files were allegedly verified through the Sikar office of New India Assurance with the help of employees and officials.
According to the visible report, the CBI has named 17 accused in FIRs filed on March 17, including two surveyors, senior divisional managers, a manager, a deputy manager, assistant managers, administrative officers, workshop officials and others. The agency has found that 48 fake claims worth ₹1.23 crore were raised, and sources cited in the report suggest that the number of such claims could increase as the investigation progresses.
