The leadership transition at insurer American International Group Inc. is like switching generals after winning a war, Chairman Steve Miller said today.

A claimant needs some extra cash and decides that insurance fraud is the answer, so he stages a collision or just enhances the damage to his car caused by an actual impact and tries to cash in on the loss. But how can you tell the difference?

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Voss v. Netherlands Insurance squarely tackles the issue of "special relationships."