Which statement does NOT apply to the fraud scheme known as 'swoop and squat'?

The statement indicating that the scheme involves two vehicles traveling in different directions does not accurately represent the mechanics of a 'swoop and squat' fraud scheme. This type of scheme typically involves two vehicles working in tandem, where one car (the "swoop") suddenly cuts off another car (the "squat") causing a collision. The aim is to create the illusion of an accident to file a fraudulent insurance claim.

In contrast, the other statements align correctly with the characteristics of this fraudulent scheme. Blocking another car is a common tactic used in these scams, as is the intention to create an artificial accident, which is essential for facilitating the fraud. Lastly, the drivers usually know each other and collaborate to execute the scheme effectively. Therefore, the first statement does not fit with the established description of 'swoop and squat' fraud.