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Whether it’s a deliberately misstated water-damage claim on a homeowners’ policy or a sophisticated international crime ring for stolen autos, insurance fraud is driven by an amalgam of greed, stealth and exploitation.

The U.S. economy may have stabilized enough so that the blatant vehicle torchings and business arsons of the financial meltdown era have slowed, but insurance fraud, in all its myriad forms, marches on—and shows no signs of stopping.

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