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.

An insured gets caught falsifying receipts and photos for her claim.

Inspections required in some states for auto physical damage coverage.

Agent falsifies policies for commissions.

A man buys a house, over-insures it, then it catches fire.