Particle.news
Download on the App Store

Three Sentenced in California Bear-Suit Car Insurance Scam

The case shows how odd claims can still slip past insurers.

Overview

  • Three Los Angeles County defendants, who pleaded no contest, were sentenced Thursday to 180 days in a weekend jail program with two years of supervised probation, and two were ordered to pay more than $50,000 each in restitution.
  • Investigators say the group staged videos in Lake Arrowhead showing a supposed bear inside a Rolls-Royce Ghost and two Mercedes to back claims totaling about $141,839.
  • A California Fish and Wildlife biologist reviewed the footage and said it was clearly a person in a bear suit, and detectives later seized the costume and meat-claw props during a search.
  • Two insurers paid on the scheme while a third refused payment, with Bristol West and Progressive covering most losses and State Farm denying a similar claim after review.
  • A fourth suspect, Ararat Chirkinian, is due back in court in September 2026, and experts say quick payouts and costly seat replacements can let interior-damage scams slip through.