The “Just Asking” Gambit
AssumptionCustomers making inquiries aren’t risks—they’re just confused. RealityRepeat “what if” calls about coverage are often pre-loss rehearsals—and should be treated like soft […]
The Vengeful Risk
AssumptionDenied claims end the story. RealitySome customers don’t give up—they escalate. Reframe. Refile. Shift lines. The So What“Denial revenge” is real. And […]
The Deductible Dodger
AssumptionSmall claims below the deductible means a responsible risk. RealityOr it means a customer who tries to claim for every minor event […]
The Vanishing Claim
Assumption – No claim payout means ‘no problem’. Reality – Not every closed-without-pay claim is harmless. Sometimes it’s a “test balloon” for […]
Hidden Pre-existing Damage
Some customers only purchase ‘Comprehensive and Collision’ Insurance when they have damage that they want repaired. This ‘pre-existing damage’ fraud is a […]
Garaging Fraud
“Garaging Fraud” is where a policyholder claims to garage their car in a low risk area to reduce their premium. An example […]
Ghost Broker Fraud
A ‘Ghost Broker’ is an unauthorized person who helps drivers get legally required auto proof of insurance for a fee. Typically, the […]
Workers comp: The ‘Volunteer’
A common fraud in the WC insurance space is undercounting or overcounting “volunteers”. In most states, volunteers are not automatically covered by […]
Class code chicanery
A common underwriting fraud in WC is allocating employees to the wrong class code. For example, an auto repair shop saying they […]
Workers Comp: Lowballing Headcounts
One common form of rate manipulation in WC is lowballing the employee count at policy inception. While an audit (usually 13 to […]
Water Wishful Thinking
Underwriting Assumption: “It says hydrant within 1,000 feet. Good protection class. Let’s move on.” Reality: I drove the street, squinted, then laughed out loud. […]
False or Omitted Asset Details
A common underwriting fraud tactic in both Home and Auto insurance is to manipulate auto and home asset details at POS to […]
