Sub-sections:
When you should have changed coverages before the loss occurred.
A police officer behaves badly.
Kidnapping is always a no-no.
When an insured changes deductibles and tries again.
A contractor is caught with more payroll than declared employees.
When you end up in prison for lying about a claim.
An agent misbehaves in order to increase commissions.
When insurance doesn't seem important until after the loss.
A phony contractor returned materials for gambling money and got caught.
When the insured burns his car and boat.