Once in a while, we’re asked whether companies investigate renters insurance fraud or whether it’s acceptable to pad a claim with a few additional high-dollar items that the insured didn’t actually own. The answer, of course, is absolutely not. Lying to an insurance company, whether on the application or when filing a claim, is not acceptable. It’s called insurance fraud. Best case, your claim gets denied. More likely, very bad things happen to you.
Think you’re smarter than the insurance companies? Think again. Here are some stories of people who were certain they were smart enough to pull it off and not get caught…
You Can’t Take It With You!
If you die in the process of learning how to commit insurance fraud, you won’t be able to enjoy the fruits of your labor. So whether you’re considering fire or another peril as your weapon of choice, make sure you have an escape route and won’t die or get seriously injured when you scam yourself a big check. It’s only fair that you should be able to, since renters insurance is a scam anyway, right?
Wrong. Renters insurance is designed to pay money for legitimate claims that don’t result from the intentional acts of the insured. Just because you think you can get away with it and make it out safely doesn’t mean they won’t find the gas you used to start the fire, or that a friend won’t comment how odd it is that you even had a candle burning at all, since you’re allergic to fragrances. The smallest things can unravel insurance fraud in a heartbeat.
Don’t Take Them With You When You Commit Insurance Fraud!
Some folks recently tried to learn how to commit insurance fraud on their renters insurance in a Gainesville apartment explosion. While we question their methodology in general, it makes us positively apoplectic that they had the unmitigated gall to set the fire in the middle of the night. By not waiting for the morning, when most people are at work, they put potentially hundreds of adults and children at risk through their greed and poor planning. Don’t risk killing other people when learning how to commit insurance fraud. It’s just not worth it.
Don’t commit renters insurance fraud at all, of course, but setting an apartment fire in the middle of the night is straight premeditated murder of entire families. You know they’re home. You know they’re asleep. You know they’re going to die. So don’t do that.
Gasoline Fumes Burn. Gasoline Does Not.
Simply leaving a can of gasoline and throwing a match at it is not an effective method. Why? Simple science: Gasoline burns only in its vapor state. You can put out a cigarette in liquid gasoline as long as the vapors convect away instead of igniting, or so we’re told. So the way to commit insurance fraud is not with gasoline and a cigarette.
You’d think people would know this, but you’d also think people wouldn’t smoke while they’re pumping gas, and that they wouldn’t try to commit insurance fraud.
Removing Property Before A Fire Is A Big Red Flag!
There’s two problems here. First, it’s difficult to file a claim for the Rolex that you’re wearing when you sit down with the adjuster. So make sure anything you claim actually is lost in the fire. Secondly, even in a total loss fire it’s pretty easy to tell when property was removed before the fire. If the charred remnants of an entertainment center don’t contain the charred, mangled remains of a television, spidey senses begin to tingle. If where the closet used to be contains no ashes from clothes or bits of melted synthetic fibers, something is up. If you’re learning how to commit insurance fraud, don’t try to save property before the loss.
That makes it kind of pointless to learn to commit insurance fraud, because you’ll get a little cash but you’ll be out all of your stuff. In other words, you’ll be in the same position you were in before. The idea was to get more money and keep your stuff, but that’s not going to work out for you.
Did You Know That Electronics Have Serial Numbers?
Even if you can’t present a receipt for those three tablets you were going to give as a Christmas gift before they got stolen, even if your bank or credit card statements don’t support it, cameras and cash register records will narrow down the items. If they’re found at a pawn shop, or with you, you’ve got a problem. On the other hand, if they’re never found because they never existed, you’ve still got a problem. With cameras everywhere, it’s difficult to claim you bought electronics that you never bought. Learn how to commit insurance fraud and at least make sure that you owned the property you’re trying to claim! Otherwise, you’ll fail miserably. Like everyone else who learns to commit insurance fraud.
How To Commit Insurance Fraud Easily And Get Away With It
In a nutshell, if you’re looking for lessons in how to commit insurance fraud, the above are some things not to do because each and every one of them is based in a true story of someone who was not successful. They didn’t walk away with large checks, they ended up with larger problems than they had before. So if you’re asking how to commit insurance fraud, the real answer is don’t.
Why? Because there are entire teams of people at insurance companies dedicated to rooting out this sort of thing. Because people frequently talk themselves into a hole based on their ego and “getting away with” something. Because you give every single person you tell something to hold over your head for the rest of your life. And plain and simple, because it doesn’t work.