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At first blush, some auto insurance claims may seem like nothing special. An insured claims his car was hit by a driver who fled the scene. He didn’t catch the license plate number, but he thinks the car was a white, mid-size, older model. You pull up his file and see this insured has had a string of bad luck lately and this is his third accident in 18 months. A previous accident did not involve another vehicle and the other involved a deer.

You ask him to send you some photos of the damage and notice green flecks of paint in the damage. After checking the claimant’s statement, you see he described the car that hit him as being white — green flecks don’t usually come from a white car — something isn’t quite right.

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