“Beta, it’s time,” Satish whispered, his voice barely above a murmur.
Gagan looked at his father, his palms sweaty despite the cool night air. This was it—the moment they had planned for. If everything went as intended, in a few months, they would be free of all their loans, living a comfortable life with a crore in their bank account.
“Are you sure this will work?” Gagan asked.
“Manmohan said it’s foolproof,” Satish reassured him. “He’s a lawyer. He knows the system.”
They didn’t know it yet, but their so-called foolproof plan was about to unravel spectacularly.
The Staged Accident
On March 5, a report was filed at the Najafgarh police station. A young man named Gagan had been hit by a speeding motorcycle. His father, Satish, sounded distraught on the phone.
“Sir, my son is badly hurt! The biker didn’t even stop!”
Gagan was rushed to the hospital. A few stitches, a bit of bandaging, and by evening, he was discharged. The police asked him to return the next day to file an official complaint and undergo a medical checkup to confirm the severity of his injuries.
But Gagan never showed up.
“My Son Has Passed Away”
Six days later, when the police followed up, Satish had a shocking update.
“He’s gone, sir,” Satish said, his voice filled with grief. “We cremated him the day after the accident.”
The officer on duty was taken aback.
“What? But we needed a post-mortem. Why didn’t you inform us?”
“We were too heartbroken. We just wanted to say our final goodbyes and move on.”
Something felt off. The police, trained to spot inconsistencies, sensed that this wasn’t just a tragic accident.
The Story Unravels
It didn’t take long for their suspicions to be confirmed. The police began retracing Gagan’s last known activities, and their first stop was the biker, Manish, the man who had allegedly hit Gagan.
Manish cracked almost immediately.
“They paid me, sir!” he blurted out. “It was all staged! The accident never actually happened. They told me I’d get 15 lakh if I played along!”
With Manish’s confession, the entire scheme came to light.
Satish and Gagan, drowning in debts, had approached a lawyer, Manmohan (also known as Pardeep), to help them with an “insurance plan.” The plan? Fake Gagan’s death, file an insurance claim for ₹1 crore, and escape their financial troubles.
But their one mistake, assuming they could trick an entire legal system, proved to be their downfall.
“Gagan Is Alive”
The police traced the so-called deceased Gagan to Punjab, where he was very much alive and hiding. The father, the son, and the lawyer were immediately booked for fraud and forgery.
“You thought you could fool the system?” the investigating officer scoffed as they were arrested.
Satish lowered his head. There was no escape now.
The Lessons From This Scam
People often believe they can outsmart insurance companies, but the reality is different. Fraud like this not only lands perpetrators in jail but also raises premiums for honest policyholders.
For the rest of us, it’s a reminder that greed and desperation can push people to extreme lengths—but the law always finds a way to catch up.
