Seemingly harmless offenses like padding claims and bolder actions like staging car wrecks and arson are all versions of insurance fraud, which is estimated to cost the average family $1,200 a year. "The only limit is your imagination," said Gary Griffith, inspector general of the Fraud Unit, a little-known division of the state Offices of the Insurance Commissioner. The crime can be simple. For example: Somethings bad, an accident makes it worse, and you dont own up to the original condition.
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