We believe our clients are honest...and we always conduct our business with integrity. But from time to time, there are a few people who take a rather, shall we say, creative approach to their insurance when it comes time to file a claim. According to a study from the National Insurance Crime Bureau (they also make the list of Top 10 Stolen Cars), "questionable claims" have risen 4.5% this year over last year.

Now, the increase takes into account only those claims that are referred to the NICB organization for review because of suspected fraud. There are several reasons that a claim can be flagged, but so far, "Inflated Damages" tops the list this year. With the hail storms, tornadoes, earthquakes, floods and hurricanes, there's no doubt a lot of damage out there. But the inflated damages category rose 10% in 2011 (interestingly enough, the only categories not seeing an increase were suspicious loss/theft and fire/arson).


The Pacific Northwest hasn't experienced the brunt of the rough weather this year, but the numbers from across the country are interesting to consider. Thoroughly investigating claims is good because then the companies aren't paying out fraudulent or inflated claims, thus translating into some premium savings. At the same time, does it bother us that people are so willing to bend the truth? Just a few things to consider...