The indictment in the case of T.G. and M.G. was sent to the District Court in Olsztyn by the Olsztyn District Prosecutor’s Office on December 30, 2022. The trial began in November 2024. Nearly 1.5 years later a verdict was issued. Four years in prison for T.G. and two years of deprivation of liberty for M.G. Both will also have to return the stolen money, i.e., almost 1.3 million PLN.
Road collisions as a way of life
The prosecutor’s office charged the pair of fraudsters with 200 counts, covering almost 120 road incidents from which insurance was defrauded. According to investigative findings, in most incidents T.G. was behind the wheel, acting as the initiator of the criminal scheme. It began in 2007. Initially the man operated alone, but after entering a relationship with M.G., from 2013 he involved the woman in the money‑laundering process. From that point the couple mostly participated together in incidents.
“The investigation was triggered by a report from one of the insurance companies, which indicated that the defendants could deliberately participate in road incidents as victims, and then claim compensation from the liability policies of other road users,” says Adam Barczak, spokesperson for the Olsztyn District Court.
Investigations show that most of the incidents involving the fraudster couple occurred at roundabouts and intersections, where T.G. would create surprising situations for other drivers and hinder their ability to avoid collisions. The scheme was simple. In most of the 120 collisions T.G. was involved, driving a car registered to M.G., who claimed compensation from the perpetrator’s liability policy. This does not mean the woman was only involved. As officials discovered, she participated in 11 road incidents herself.
They’re headed to prison and will have to return the money
The verdict in this case was issued on May 26, 2026. The Olsztyn District Court sentenced the man to 4 years in prison, and the woman to 2 years and 10 months of deprivation of liberty. In addition, the court imposed an obligation on the couple to return the defrauded money.
“The court found that the defendants, acting under a pre‑planned intent, in short intervals and making the commission of crimes a steady source of income, caused many road collisions in Olsztyn, Warsaw, Białystok, Łódź and other locations in the country. Then the damages were reported to insurers, misleading them about the basis for compensation payments. After conducting liquidation proceedings, the insurance companies paid out compensation, thereby leading to an unfavorable disposition of assets totaling almost 1.3 million PLN,” says Adam Barczak, spokesperson for the Olsztyn District Court.
The verdict is not final. As the spokesperson for the Olsztyn District Court adds, the court highlighted the high degree of social harm of the acts attributed to the defendants, pointing among other things to the number of incidents, the transformation of the criminal practice into a steady source of income, and creating a threat to the safety of other road users by provoking collisions. As a mitigating circumstance, the court considered the defendants’ prior clean record.
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