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Man Jailed After Surveillance Caught Him Working Out At The Gym Despite Trying To Claim £2.3m Insurance Payout

A man caught working out at the gym after attempting to pocket £2.3m insurance compensation for a debilitating injury has been jailed.

Michael Richards, 31, was involved in a tragic car accident in 2004, which resulted in two fatalities.

Subsequently he attempted to mislead medical and legal professionals and the Motor Insurers’ Bureau (MIB) about the scale and nature of his injuries.

Richards attempted to claim £2.3million in compensation from MIB by exaggerating his injuries and the effects on him.

The court was shown evidence that Richards had attempted to deceive professionals and family members for a sustained period of time about the severity of his injuries. He pretended to be mute, incoherent and seriously physically impaired.

He was caught on surveillance working out at the gym, driving a car and talking normally.

He received a prison sentence today at the Royal Courts of Justice for contempt of court.

Ashton West, chief executive at MIB said: “MIB is a not for profit organisation that exists to support genuine claims from innocent victims that have sustained injuries caused by uninsured or untraced drivers.

“The attempt to claim money under false pretences was one driven by greed.  This judgement sends a strong message that MIB, the insurance industry, courts and public will not tolerate false or fraudulent claims and these cases will be pursued with vigour.”

Richards suffered head and orthopaedic injuries in the accident which killed two individuals in Milton Keynes in 2004.

As his compensation case progressed through the legal system, Richards puzzled medical professionals as he presented himself as almost mute and incoherent.

MIB instructed  law firm Weightmans to advise and assist with investigations into what was being presented as a very large and complex claim.

The investigation included surveillance of Richards’ residence and reviewing his police records.

Mike Pope, a partner at Weightmans LLP, said: “In 2009, Mr Richards was arrested in connection with other matters and this revealed Richards speaking to the officers normally while under questioning, and without any assistance from a carer.

“Furthermore, the address provided by Mr Richards to the officers as his home address was completely different to the council property he had quoted when making his claim.

“When the new address was put under surveillance we quickly amassed footage of him living a completely normal life, working out at the gym, talking normally and driving a car.”

Weightmans demonstrated that this new evidence was significant to determining the true level of his disability and advised MIB in the defence of the personal injury claim and later in bringing the contempt of court action.

MIB released its evidence and shortly after, in February 2010, Richards’ claim for compensation was withdrawn.

Later in 2010,  MIB initiated contempt of court proceedings against Richards, his sister Serina Richards and his foster father for their part in the deception.

Serina Richards was complicit in making a statement about Richards condition which she knew to be untrue and for assisting with the deception when accompanying Richards in medical examinations as part of the legal claim process.

Richards’ foster father signed a witness statement attesting to the extent of his brain damage which he knew was not true.

Today at the Royal Courts of Justice in London, President of the Queen’s Bench Division Lord Justice Thomas and Mr Justice Wyn Williams sentenced Mr Richards to four months in prison.

His sister Serina Richards was sentenced to 14 days.  Richards’ foster father, Terence Bassnett, received a 14 day sentence suspended for six months.

“This is a significant and complex case that revealed multiple deceptions. The case required the expert eyes of both the legal team and the claims handlers at the MIB to gather all the evidence of fraud over a protracted period of time,” Pope said.

“Today’s judgement sends out a clear warning to dishonest claimants that the courts will not tolerate them – and that they won’t find a safe haven in high value claims.

“Mr Richards was determined to defraud MIB, and therefore all honest premium paying motorists, out of £2.3 million, so this contempt of court action was absolutely vital.

“Now more than ever, the public purse must be protected against opportunistic and organised fraudsters – and this is what the courts have done today.”

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