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.

A man gets caught for filing claims on phantom boats. No Flying Dutchman involved.

When the first carrier won't pay maybe a second one will.