Following the recent economic downturn, Iranian society has unfortunately witnessed a surge in staged accidents, known as "sahne-zani". This reprehensible and blameworthy act involves a deliberate, pre-planned scheme to fabricate an accident through the manipulation of circumstances and the distortion of risk events. While not explicitly codified as a separate criminal offense in Iranian statutory law, its alignment with Islamic legal principles—which categorize it under haqq al-nas and fraud; leads to its classification by legal reasoning as an act carrying both criminal and civil liability. From the perspective of criminal liability, the establishment of the elements of staged accidents, particularly the presence of deception and malicious intent, closely mirrors the elements of fraud. This resemblance has led to its characterization as insurance fraud, subject to investigation and prosecution under the rules governing fraud in insurance regulations. Furthermore, regarding civil liability, the congruence of the intent behind Article 1 of the Iranian Civil Liability Act with the conditions surrounding staged accidents firmly establishes civil responsibility on the perpetrator. In recent years, insurance companies have faced significant challenges due to these types of incidents. The collaboration between drivers, and even individuals within insurance-affiliated companies, with these fraudsters, coupled with a lack of awareness campaigns and insufficient utilization of technologies such as artificial intelligence for simulation, has made the situation increasingly difficult for stakeholders in the insurance industry.