Auto give-ups, stolen vehicles, arson, padded injuries, inflated medical bills and disability exaggerations are just a few of the scams that play out in the insurance arena daily.

According to the Insurance Research Council, 1 in 3 Americans believes it is acceptable to inflate a claim to pad a deductible. One in 4 believes it is acceptable to do this in order to recoup previously paid premiums.

The reality is that every day insurers are faced with situations that are outright fraud or contain elements of fraud. In fact, it is estimated that 21-36 percent of insurance claims contain an element of fraud. The continuing poor economic conditions complicate matters, creating a financial motive for many who would never consider such drastic action in “good times.”

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