Get your own back with scammers

The companies asking if you've had an accident are legal companies touting for business. They aren't doing anything illegal.
Whereas a scam is someone with illegal intent.

I've had a couple of phishing "accident" calls but the last one was a couple of years ago. The man started by saying "you were in an accident last year". I responded by asking whether he was asking or telling me and if he was telling me I was very grateful because I didn't know. He proceeded to ask me when the accident happened. I said I didn't know as I've only just found out. He even asked when did I find out and who told me. I explained that someone had phoned and told me. He then even asked when was I phoned. I told him today. He sounded very disappointed and said "so you've already spoken to someone today about this'. I said yes. He asked who. You I said!

I know some people (possibly on GN - I may have heard of it here, so if it's you, sorry for taking your idea!) answer the accident call by saying "Yes, it was a fatal accident, and I died." I would love to try that one, but so far I've never had that particular scam call.

Some of these answers are brilliant!

Last year I received a call from a chap trying to sell me life insurance. He told me about the peace of mind I would have if something happened to my husband. I wouldn't have to worry about paying the bills etc. I listened to what he had to say then I said. "Thank you for phoning me, and I hope this doesn't sound vulgar or rude but you see we're incredibly rich and if anything happens to myself or my husband we have so much money that we'll be fine". He was clearly taken aback and didn't know what to say next. I thanked him for his time and hung up.

DH takes great delight in keep them talking as long as he can, about 25 mins. is the record so far. If it’s from ‘windows your internet has been hacked/is going to be cut off’, he wastes time getting the laptop, setting it up, being generally incompetent and asking them to repeat themselves. He asks daft questions about the caller and eventually challenges them at which point they give up, sometimes throwing in some quite foul language!

MIL used to put the phone beside the budgie's cage and Snowy (always a good talker) used to deal with them.

When I get a scam phone call, I wait for them to finish their spiel, then I say "I don't believe you". They usually insist that [insert scam] to which I reply "But as I said, I don't believe you" until they hang up.

I did feel a bit sorry for the very young sounding girl who phoned this week saying ever so politely "I believe you was in an accident ..." to which I replied "it's were in an accident, and no, I wasn't".

to be fair, those sound like junk calls rather than scams.
there is a whole community of scam-baiters out there, if anyone is interested.

Them: I understand you've been involved in an accident that wasn't your fault
Me : Which one was this, can you give me the date
Them : so you have been involved in an accident
Me: if you give me the date I will tell you

Phone goes dead

I have caller preference on home phone but do get them on mobile

This was a regular call a little while ago. “I am calling about the accident ... so I went into full hysteria and said oh no! I knew something was wrong... he’s late, what’s happening is he in hospital? He’s dead! Are you calling from the ambulance? Where is he? Etc, etc. Oh and DH was standing next to me wondering what was happening. I haven’t had a call since.

I watched a video of a woman who agreed to speak to the scammer about whatever issue they'd rung about.

She said "Oh, just for security purposes, could you please tell me your mother's maiden name...? No? Never mind, how about the name of your first pet?"

I had the same call yesterday. I said I’d had two accidents and which one were they calling about. Could they tell me the date. They hung up. How rude ?

I ask them for their name, then I ask them to wait while I get a pen and paper, then I ask them to spell it. If they’re still there I ask them to speak up as I’m a bit deaf, then I say hold on there’s somebody at the door and I put the handset down and wait until I hear the dial tone, letting me know they’ve rung off.