Quote:
Originally Posted by mazilla
Person X(if they're smart) ends up with a check in their hands, and some shiny new bodywork. Some people may consider that "fraud", some people might consider the fact that they're forced to buy a product from a private company (by their government) the real fraud.
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That is known as "soft" fraud or "opportunistic" fraud. It is one of the reasons that premiums can be very high in certain areas. Honest people have to pay for dishonest behavior of others. It is considered a crime in all 50 states and 41 states have fraud bureaus.