Caught up last night with a friend with over 20 yrs experience in the insurance industry.
Apparently, there's still many cases of workshops deploying their own cars (usually old ones) to deliberately E-brake and cause the car behind to brake and cause a chain collission. The workshop car would then drive away (if they are not hit from behind).
Tough to clamp down on these cases, as it is hard to proof that the driver deliberately braked to cause an accident. A tow truck would then appear out of no where (amazing, isn't it?).
They love to operate in the morning and evening peak periods, esp on Mondays when people are still sleepy from their weekend late nights or tired after a long day at work.
This is one of the reasons why insurance premiums are so high.
Please drive carefully and not tail gate. Do not give these syndicates an opportunity to make money out of your misfortune.