Decades ago, one of our fellow workers always took fancy vacations, had lots of expensive jewelry, etc. And was otherwise as poor as the rest of us.
We found out she was an expert at causing other cars to rear-end her (when she pulled the trick on someone we knew). She’d settle for a few grand and off she’d go on a two-week cruise to the islands.
Sounds about right. It happens here in Atlanta often I’d bet.