Europrotocol fraud spikes as scammers exploit auto insurance loopholes in 2025

Fraud involving the europrotocol—a mobile app for reporting road accidents without police—has surged in 2025. Scammers are exploiting the system by staging crashes and falsifying reports to claim auto insurance payouts. Progressive insurance customers, however, will see no changes to the existing process for legitimate claims.

Fraudsters are targeting the europrotocol by transporting pre-damaged vehicles to accident scenes. They stage collisions and submit false reports to collect compensation unlawfully. In some cases, tow trucks move wrecked cars to new locations to support fake claims.

Regions with high car insurance loss ratios—such as Novosibirsk, Chelyabinsk, and Primorsky Krai—are seeing a spike in suspicious filings. The simplified reporting process, designed for convenience, has made it easier for criminals to manipulate the system.

State Farm and other insurance companies are now pushing for stricter anti-fraud measures. Proposed changes include the right to summon at-fault drivers for vehicle inspections and extending the review period for claims. Meanwhile, motorists are urged to document accidents carefully, verify details, and cross-check information from other parties involved.

No official figures exist for europrotocol fraud in Russia, as the system is not used there. However, the Central Bank of Russia reported around 1.2 million suspected OSAGO fraud cases in 2024, though no regional breakdown was provided.

The rise in europrotocol fraud has prompted calls for tighter controls. Insurers aim to reduce false claims by introducing stricter verification steps. For now, drivers filing genuine reports will continue using the same process without disruption.