The Very Best Fraudulent Insurance Claims

Each and every state in America has laws about insurance fraud that are strictly enforced. Unfortunately, a judge from Pennsylvania broke these legislations even though he should be the one who was supposed to help in enforcing the law. Michael Joyce had already collected about half a million worth of money thanks to his fraudulent insurance claims. He claimed so many injuries, chronic pain, as well as brain damage that were caused by a 5 mile per hour fender bender.

After the $390,000 worth of funds was deposited from Joyce’s insurer and another $50,000 coming from the driver who allegedly caused the accident, Michael Joyce started golfing, inline skating, and swimming. Furthermore, there were also evidences that this law-breaking judge took a scuba diving trip to the Caribbean right after he got his pilot’s license. All of these activities were done by Michael Joyce despite the chronic pain and the brain injury that he claimed.

This is a real story that was shared by the Coalition Against Insurance Fraud. The said organization is made up of insurance policy holders, consumer advocacy groups and other members of law enforcing organizations as well.

The mission of the Coalition Against Insurance Fraud are the following:

1. Create a lobby that would have tougher legislations against fraudulent claims

2. Make the public aware about the cost of insurance fraud.

3. Create a so-called clearing house for details about fraudulent acts including stories similar to the one mentioned before.

You can actually read a lot of stories about fraud insurance claims in the website of InsuranceFraud.org and look for the section of Insurance Fraud Hall of Shame.

Little did you know, there are actually two kinds of fraud insurance act. It is categorized as the hard and the soft fraud insurance. It is not only the policy holders who can defraud insurance providers. The latter could also do the same to their clients as well.

Hard fraud insurance claim is done by the insurance policy holder. The case of Michael Joyce belongs to this kind of insurance fraud. Clients would be faking their bodily injuries and even the accident so that they would be able to get claims from the insurance company. One case of hard insurance fraud is when a guy named Kenneth Allen, and the other members of his group, was imprisoned due to arson. They bought properties for a small amount, put old furniture in it, and burn everything down they can have huge amount of insurance claims.

On the other hand, the soft insurance fraud is when there are white lies or fact faking involved. Underestimating the mileage of your car every year is one act of soft insurance fraud. This is why it is called as a soft insurance fraud. It only involves harmless claims and false details. However, these harmless acts can still affect the business of insurance providers. As a result, they pass the cost to their other insurance clients regardless of how clean their credit record is and how responsible they are in paying their insurance dues.

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