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| - Insurance fraud is the misrepresentation by the provider or the insured in the indemnity against loss. Insurance fraud includes the “padding” or inflating of actual claims, misrepresenting facts on an insurance application, submitting claims for injuries or damage that never occurred, and “staging” accidents.
- The goal of Insurance Fraud is to commit the most damage to yourself by prat-falling into oncoming vehicles and earning the specified amount of money for that level.
- Insurance is a method of sharing the risk of loss between a large number of people. When someone suffers a loss, they are reimbursed by their insurance, paid for from the premiums of all the insureds who didn't suffer a loss. While it may seem that the lossee has "hit the jackpot" in that they're the only one who have got more out of their insurance than they put in, the principal of indemnity dictates that they are reimbursed only the value of their loss. Ideally, insurance pays to get you exactly back where you started, no more, no less. Examples of Insurance Fraud include:
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| abstract
| - Insurance is a method of sharing the risk of loss between a large number of people. When someone suffers a loss, they are reimbursed by their insurance, paid for from the premiums of all the insureds who didn't suffer a loss. While it may seem that the lossee has "hit the jackpot" in that they're the only one who have got more out of their insurance than they put in, the principal of indemnity dictates that they are reimbursed only the value of their loss. Ideally, insurance pays to get you exactly back where you started, no more, no less. Of course, people looking for a quick buck have tried all kinds of schemes to try and make a profit off insurance. A number of different techniques include:
* Falsifying a loss, such as faking a burglary, hiding the "stolen goods" and then claiming their value from insurance.
* Deliberately causing a loss, such as burning down an old building to claim the money needed to build a new one
* Exaggerating the scale of a loss, such as claiming the worthless old paintings lost in a fire were actually valuable artworks. In particular, claiming exaggerated injuries from an accident (which is known as Flopsy when it has also been deliberately caused) either to claim on the insurance or to sue the person allegedly responsible
* Waiting until you incur a loss before buying insurance, then claiming that the loss took place during the policy period
* Lying about details which would prevent you from filing a claim, eg. who was driving the car or where the loss took place.
* Outright murdering a relative with life insurance.
* Killing yourself but making it look like an accident or murder to secure the money for your family. Or faking your death for the same purpose.
* Combinations of these, e.g. someone files a claim for workers' compensation, and (1) aren't injured (a complete scam) (2) are not injured enough to be unable to work, e.g. if you get a paper cut it means you get a bandage and maybe a tetanus shot, it does not mean you can't use your hand; (overclaiming) (3) if you were injured but you stay off work long after actually healing (malingering). A common plot involves characters attempting to pull off an insurance fraud and either succeeding or having to deal with the consequences of being found out. Alternatively, the insurance company may be depicted as doing its best to prove a claim false, even going so far as to plant evidence, in order to void the policy. Needless to say, Truth in Television. Try to keep Real Life cases to the more unusual ones. Examples of Insurance Fraud include:
- Insurance fraud is the misrepresentation by the provider or the insured in the indemnity against loss. Insurance fraud includes the “padding” or inflating of actual claims, misrepresenting facts on an insurance application, submitting claims for injuries or damage that never occurred, and “staging” accidents.
- The goal of Insurance Fraud is to commit the most damage to yourself by prat-falling into oncoming vehicles and earning the specified amount of money for that level.
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