![]() Some insurance lines are more vulnerable to fraud than others. ordinary people who want to cover their deductible or view filing a claim as an opportunity to make a little money.professionals and technicians who inflate service costs or charge for services not rendered, and. ![]() organized criminals who steal large sums through fraudulent business activities,.People who commit insurance fraud include: Common frauds include "padding" (inflating claims), misrepresenting facts on an insurance application, submitting claims for injuries or damage that never occurred, and staging accidents. Insurance agents and company employees may also commit insurance fraud. Fraud may be committed at different points by applicants, policyholders, third-party claimants, or professionals who provide services to claimants. Insurance fraud is a deliberate deception perpetrated against or by an insurance company or agent for financial gain.
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