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73-555: The hotel began to struggle financially in the 1960s, which lead to it closing down on September 7, 1975. One year later a businessman reopened the hotel, though it closed again due to lack of guests in 1977. In October 1978, the San Juan reopened as the Grand Central Hotel, a hotel for gay clientele. Despite this, the hotel was planned to be demolished in the future, and holes were cut in the upper floors in preparation for

146-436: A gender reveal party which utilized a smoke bomb which is categorized as unsafe pyrotechnics. The El Dorado fire burned over a 71-day period, destroyed 20 structures and resulted in one firefighter fatality, for which the couple hosting the party were charged with involuntary manslaughter . The Esperanza Fire ultimately resulted in the death of firefighter Charles "Charlie" Morton, who became trapped while attempting to fight

219-561: A weapon of war against civilians. From the 2021 Myanmar coup d'état to August 2022, military forces committed arson on 28,434 houses in the country. While the Scottish legal system has no offence known as arson statutorily defined, there are many offences that are used to charge those with acts that would normally constitute arson in other nations. Events constituting arson in English and Welsh law might be dealt with as one or more of

292-459: A "squat" car. This squat car, which is usually filled with several passengers, then slows abruptly, forcing the driver of the chosen car to collide with the squat car. The passengers in the squat car then file a claim with the other driver's insurance company. This claim often includes bills for medical treatments that were not necessary or not received. An incident that took place on Golden State Freeway June 17, 1992, brought public attention to

365-533: A car registered to an address in rural Pennsylvania are much less than they are in Brooklyn. Another form of automobile insurance fraud , known as "fronting", involves registering someone other than the real primary driver of a car as the primary driver of the car. For example, parents might list themselves as the primary driver of their children's vehicles to avoid young driver premiums. " Crash for cash " scams may involve random unaware strangers, set to appear as

438-520: A conviction and penalty for wildfire arson. Some states, such as California, prosecute the lesser offense of " reckless burning " when the fire is set recklessly as opposed to willfully and maliciously. The study of the causes is the subject of fire investigation . A recent example of a reckless burning offense is the El Dorado fire which took place in 2020 in California. This fire was caused by

511-415: A federal criminal offense with punishment of up to ten years of prison in addition to significant financial penalties. Fraud rings or groups may fake traffic deaths or stage collisions to make false insurance or exaggerated claims and collect insurance money. The ring may involve insurance claims adjusters and other people who create phony police reports to process claims. The Insurance Fraud Bureau in

584-595: A loss, such as a collision, auto theft, or fire that is covered by their insurance policy in order to claim payment for damages. Criminal rings are sometimes involved in hard fraud schemes that can steal millions of dollars. Soft fraud , which is far more common than hard fraud, is sometimes also referred to as opportunistic fraud. This type of fraud consists of policyholders exaggerating otherwise legitimate claims. For example, when involved in an automotive collision an insured person might claim more damage than actually occurred. Soft fraud can also occur when, while obtaining

657-440: A low-risk, lucrative enterprise. For example, drug dealers who have entered insurance fraud think it is safer and more profitable than working street corners. Compared to those for other crimes, court sentences for insurance fraud can be lenient, reducing the risk of extended punishment. Though insurers fight fraud, some pay suspicious claims anyway, as settling such claims is often cheaper than legal action. Another basis for fraud

730-733: A method of homicide, as was the case in California of Raymond Lee Oyler and in Texas of Cameron Todd Willingham . After the Great Chicago Fire in 1871, the United States started a National Fire Prevention Week in order to educate the people on ways to prevent fires, minimize their damages, and hopefully drastically decrease casualties. Fire Prevention Week campaigns includes various information on safe cooking practices pertaining to grilling, microwaving, and cooking on

803-414: A new health insurance policy , an individual misreports previous or existing conditions to obtain a lower premium on the insurance policy. The majority of life insurance fraud occurs at the application stage, involving applicants misrepresenting their health, their income, and other personal information in order to get a cheaper premium. As more and more insurance amendments can be performed online or over

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876-441: A non-insured damage to make it an event covered by insurance, and inflating the value of the loss. It is hard to place an exact value on the money stolen through insurance fraud. Insurance fraud is deliberately undetectable, unlike visible crimes such as robbery or murder. As such, the number of cases of insurance fraud that are detected is much lower than the number of acts that are actually committed. The best that can be done

949-483: A provider. Member fraud consists of claims on behalf of ineligible members and/or dependents, alterations on enrollment forms, concealing pre-existing conditions, failure to report other coverage, prescription drug fraud, and failure to disclose claims that were a result of a work-related injury. Provider fraud consists of claims submitted by bogus physicians, billing for services not rendered, billing for higher level of services, diagnosis or treatments that are outside

1022-435: A shunt). Because the mechanism of injury is not fully understood, A&E doctors have to rely on a patient's external symptoms (which are easy to fake). Resultingly, "no win no fee" personal injury solicitors exploit this " loophole " for easy compensation money (often a £2500 payout). Ultimately this has resulted in increased motor insurance premiums, which has had the knock-on effect of pricing younger drivers off

1095-565: A stove. During World War II arson was a much higher concern in the United States . There was a severe lack of firefighters due to the fact most of the men were overseas to fight the war. There were few men left behind to help combat forest fires. For example, during WW II in Eldora, Iowa a fire chief reported that his regular membership shrank from 21 to 9 men and their fire fighting force recruited retired members and new members to fill

1168-413: A variety of offences such as wilful fire-raising , culpable and reckless conduct , vandalism or other offences depending on the circumstances of the event. The more serious offences (in particular wilful fire-raising and culpable and reckless conduct) can incur a sentence of life imprisonment . Ireland differentiates how it charges arson not by degree but rather by what is being destroyed and if anyone

1241-583: Is a desire for financial gain. Public healthcare programs such as Medicare and Medicaid are especially conducive to fraudulent activities, as they are often run on a fee-for-service structure. Physicians use several fraudulent techniques to achieve this end. These can include "up-coding" or "upgrading", which involve billing for more expensive treatments than those actually provided; providing, and subsequently billing for, treatments that are not medically necessary; scheduling extra visits for patients; referring patients to other physicians when no further treatment

1314-490: Is a wide variety of schemes used to defraud automobile insurance providers. These ploys can differ greatly in complexity and severity. Richard A. Derrig , vice president of research for the Insurance Fraud Bureau of Massachusetts , lists several ways that auto-insurance fraud can occur, such as: In staged collision fraud, fraudsters use a motor vehicle to stage an accident with an innocent party. Typically,

1387-563: Is about £ 1.5 billion ($ 3.08 billion), causing a 5% increase in insurance premiums. The Insurance Bureau of Canada estimates that personal injury fraud in Canada costs about C$ 500 million annually. Indiaforensic Center of Studies estimates that Insurance frauds in India costs about $ 6.25 billion annually. Insurance fraud can be classified as either hard fraud or soft fraud. Hard fraud occurs when someone deliberately plans or invents

1460-565: Is actually intended to be covered by the policy. Fraud involving claims from the councils ' insurers suppose staging damages blamable on the local authorities (mostly falls and trips on council owned land) or inflating the value of existing damages. The detection of insurance fraud generally occurs in two steps. The first step is to identify suspicious claims that have a higher possibility of being fraudulent. This can be done by computerized statistical analysis or by referrals from claims adjusters or insurance agents. Additionally, members of

1533-535: Is actually necessary; "phantom billing", billing for services not rendered; and "ganging", billing for services to family members or other individuals who are accompanying the patient but who did not personally receive any services. Perhaps the greatest total dollar amount of fraud is committed by the health insurance companies themselves. There are numerous studies and articles detailing examples of insurance companies intentionally not paying claims and deleting them from their systems, denying and cancelling coverage, and

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1606-508: Is any act committed to defraud an insurance process. It occurs when a claimant attempts to obtain some benefit or advantage they are not entitled to, or when an insurer knowingly denies some benefit or advantage that is due. According to the United States Federal Bureau of Investigation , the most common schemes include premium diversion, fee churning, asset diversion, and workers compensation fraud. Perpetrators in

1679-438: Is charged in five degrees. Arson in the first degree is a Class A-1 felony and requires the intent to burn the building with a person inside using an explosive incendiary device. In New York, the criminal charge of arson includes a maximum sentence of 25 years to life. In California, a conviction for arson of property that is not one's own is a felony punishable by up to three years in state prison. Aggravated arson, which carries

1752-408: Is from 1864. English Common Law defines arson as "the malicious burning of the dwelling of another." This definition has four elements: Many U.S. state legal systems and the legal systems of several other countries divide arson into degrees, depending sometimes on the value of the property but more commonly on its use and whether the crime was committed in the day or night. Many statutes vary

1825-569: Is how quickly they move into jurisdictions with lesser enforcement, after a crackdown in a particular region. As a result, in the US several levels of police and the insurance industry have cooperated in forming task forces and sharing databases to track claim histories. In the United Kingdom , there is an increasing incidence of false whiplash claims to car insurance companies from motorists involved in minor car accidents (for instance;

1898-512: Is often destroyed by the fire itself. According to the United States Fire Administration , in the United States there were approximately 31,000 fires caused by arson in 2006, resulting in losses of $ 755 million. Unemployment insurance fraud can occur when someone who is not unemployed or who steals the identity of another individual obtains unemployment benefits to which he or she is not entitled. During 2020, there

1971-417: Is over-insurance, in which someone insures property for more than its real value. This condition can be difficult to avoid, especially since an insurance provider might sometimes encourage it to obtain greater profits. This lets fraudsters profit by destroying their property, because they receive an insurance payout greater that the value of the property. The most common forms of insurance fraud are re-framing

2044-409: Is that the historically-prevailing attitude in the medical profession is one of "fidelity to patients". This incentive can lead to fraudulent practices such as billing insurers for treatments that are not covered by the patient's insurance policy. To do this, physicians bill for a different service, which the policy covers, rather than the service they rendered. Another motivation for insurance fraud

2117-430: Is to commit insurance fraud . In such cases, a person destroys their own property by burning it and then lies about the cause in order to collect against their insurance policy . A person who commits arson is referred to as an arsonist, or a serial arsonist if the person has committed arson several times. Arsonists normally use an accelerant (such as gasoline or kerosene ) to ignite, propel, and direct fires, and

2190-590: Is to provide an estimate for the losses that insurers suffer due to insurance fraud. The Coalition Against Insurance Fraud estimates that in 2006 a total of about $ 80 billion was lost in the United States due to insurance fraud. According to estimates by the Insurance Information Institute , insurance fraud accounts for about 10 percent of the property/casualty insurance industry's incurred losses and loss adjustment expenses. The National Health Care Anti-Fraud Association estimates that 3% of

2263-435: Is very expensive and almost completely unavailable for vehicles over ten years old–the drivers can only obtain basic liability. Because Russian courts do not like using verbal claims, most people have dashboard cameras installed to warn would-be perpetrators or provide evidence for/against claims. A real accident may occur, but the dishonest owner may take the opportunity to incorporate a whole range of previous minor damage to

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2336-579: The case of John Darwin , a former teacher and prison officer who turned up alive in December 2007, five years after he was thought to have died in a canoeing accident, claiming to have no memory of the period after his disappearance. Similarly, former British Government minister John Stonehouse went missing in 1974 from a beach in Miami but was discovered living under an assumed name in Australia . He

2409-418: The detection and identification of ignitable liquid residues is an important part of fire investigations. Pyromania is an impulse control disorder characterized by the pathological setting of fires. Most acts of arson are not committed by pyromaniacs. The term derives from Law French arsoun (late 13th century), from Old French arsion , from Late Latin ārsiōnem "a burning," ( acc. ) from

2482-731: The English counterparts, 63 of the 1972 Ordinance provides a maximum penalty of life imprisonment, and s 60(3) of the Ordinance requires that if the damage is by fire the offence should be charged as arson. In the Burmese legal system, arson is considered "mischief by fire" under sections 435 and 436 of the Myanmar Penal Code and punishable by fine and imprisonment. The statutes were last amended on 1 July 2016, and made arson on houses and buildings punishable with up to 20 years in prison. The Burmese military has long used arson as

2555-635: The San Jose Fire Department. According to a 2019 Press Release from the California Department of Insurance , Tyler and Kim Chen, Ha Nguyen, Sandy Ngo, Duyen Pham, and Trang Huynh were all convicted with various degrees of arson and insurance fraud. Tyler Chen was convicted with five separate counts of arson and two separate counts of insurance fraud in Santa Clara County in 2018. Tyler Chen's wife, Kim Chen,

2628-736: The San Juan Hotel was finally demolished, despite efforts by the Orlando Historic Preservation Board to preserve it. In October 1980, the board created the Downtown Orlando Historic District. This article about a building or structure in Florida is a stub . You can help Misplaced Pages by expanding it . Arsonist Arson is the act of willfully and deliberately setting fire to or charring property . Although

2701-453: The UK estimated there were more than 20,000 staged collisions and false insurance claims across the UK from 1999 to 2006. One tactic fraudsters use is to drive to a busy junction or roundabout and brake sharply causing a motorist to drive into the back of them. They claim the other motorist was at fault because they were driving too fast or too close behind them, and make a false and inflated claim to

2774-482: The United States insurance institutions (property-and-casualty, business liability, healthcare, social security, etc.) put the true cost at 33% to 38% of the total cash flow through the system. This study resulted in the book title The Trillion Dollar Insurance Crook by J.E. Smith. In the United Kingdom , the Insurance Fraud Bureau estimates that the loss due to insurance fraud in the United Kingdom

2847-417: The act of arson typically involves buildings , the term can also refer to the intentional burning of other things, such as motor vehicles , watercraft , or forests . The crime is typically classified as a felony , with instances involving risk to human life or property carrying a stricter penalty. Arson that results in death can be further prosecuted as manslaughter or murder . A common motive for arson

2920-468: The alleged offense. First degree arson generally occurs when people are harmed or killed in the course of the fire, while second degree arson occurs when significant destruction of property occurs. While usually a felony , arson may also be prosecuted as a misdemeanor , " criminal mischief ", or " destruction of property ." Burglary also occurs, if the arson involved a "breaking and entering". A person may be sentenced to death if arson occurred as

2993-589: The blatant underpayment to hospitals and physicians beneath what are normal fees for care they provide. Although difficult to obtain the information, this fraud by insurance companies can be estimated by comparing revenues from premium payments and expenditures on health claims. In response to the increased amount of health care fraud in the United States, Congress , through the Health Insurance Portability and Accountability Act of 1996 (HIPAA), has specifically established health care fraud as

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3066-446: The cause in order to collect against their insurance policy . An example of insurance fraud being the motivating factor for an act of arson is the case for Operation Firebird . A married couple and 4 co-conspirators were arrested and convicted with arson and insurance fraud after a string of home, business, and warehouse fires which took place between 2014 and 2018 were exposed as acts of arson. Using chicken left in boiling frying oil,

3139-622: The claim to expected values. The main difference between the two methods is how the expected values are derived. In a supervised method, expected values are obtained by analyzing records of both fraudulent and non-fraudulent claims. According to Richard J. Bolton and David B. Hand, both of Imperial College London , this method has some drawbacks as it requires absolute certainty that those claims analyzed are actually either fraudulent or non-fraudulent, and because it can only be used to detect types of fraud that have been committed and identified before. Unsupervised methods of statistical detection, on

3212-655: The claimant was not actually involved in the accident, submitting claims for medical treatments that were not received, or inventing injuries. Hard fraud can also occur when claimants falsely report their vehicle as stolen. Soft fraud accounts for the majority of fraudulent auto-insurance claims. Another example is that a person may illegally register their car to a location that would net them cheaper insurance rates than where they actually live, sometimes called rate evasion . For example, some drivers in Brooklyn have Pennsylvania license plates , because insurance rates for

3285-522: The claims to the professionals at the top, and recruit participants. These participants at the bottom-rung of the scheme are desperate people (poor immigrants or others in need of quick cash) who are paid around US$ 1000 to place their bodies in the paths of cars and trucks, playing a kind of Russian roulette with their lives and those of unsuspecting motorists around them. According to investigators, cappers usually hire within their own ethnic groups. What makes busting these staged-accident crime rings difficult

3358-481: The convicted criminals would make fire seem like a cooking accident. Then, the group committed insurance fraud by filing insurance claims for the cost of the building, as well as, smoke-damaged goods to claim fire damages for insurance payouts. The group's scheme claimed a reported $ 4 million and ended when authorities were tipped off as to where the location of the next planned incident would take place. Police then performed an investigation dubbed Operation Firebird with

3431-454: The degree of the crime according to the criminal intent of the accused. Some US states use other degrees of arson, such as "fourth" and "fifth" degree, while some states do not categorize arson by any degree. For example, in the state of Tennessee , arson is categorized as "arson" and "aggravated arson." A common motive for arson is to commit insurance fraud . In such cases, a person destroys their own property by burning it and then lies about

3504-404: The demolition. On January 2, 1979 the top three stories of the original 1885 wing, which were unoccupied at the time, caught on fire around 5:00 or 6:00 a.m., and there was also a water leak which flooded down into the shops on the 1st floor. The 1922 8-story wing suffered little damage despite the incidents, which are believed to have been committed by an unidentified arsonist . In August 1980,

3577-607: The destruction is by fire, the offence is charged as arson; s.4 of the Act provides a maximum penalty of life imprisonment for conviction under s.1 whether or not the offence is charged as arson. In Hong Kong, the common law offence was abolished by s 67 of the Crimes Ordinance 1971 (Part VIII of which, as amended by Crimes (Amendment) Ordinance 1972, mirrored the English Criminal Damage Act 1971). Like

3650-408: The existence of organized crime rings that stage auto accidents for insurance fraud. These schemes generally consist of three different levels. At the top, there are the professionals—doctors or lawyers who diagnose false injuries and/or file fraudulent claims and these earn the bulk of the profits from the fraud. Next are the " cappers " or "runners", the middlemen who obtain the cars to crash, farm out

3723-554: The fire. The DA of California considered arson charges for the family members as they were deemed negligent with regard to fire safety. In English law , arson was a common law offence (except for the offence of arson in royal dockyards ) dealing with the criminal destruction of buildings by fire. The common law offence was abolished by s.11(1) of the Criminal Damage Act 1971 . The 1971 Act makes no distinction as to mode of destruction except that s.1(3) requires that if

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3796-749: The fraudsters' vehicle carries four or five passengers. Its driver makes an unexpected manoeuvre, forcing an innocent party to collide with the fraudster's vehicle. Each of the fraudsters then files claims for injuries sustained in the vehicle. A "recruited" doctor diagnoses whiplash or other soft-tissue injuries which are hard to dispute later. Other examples include jumping in front of cars as done in Russia. The driving conditions and roads are dangerous with many people trying to scam drivers by jumping in front of expensive-looking cars or crashing into them. Hit and runs are very common and insurance companies notoriously specialize in denying claims. Two-way insurance coverage

3869-460: The greatest total dollar amount of fraud is committed by the health insurance companies themselves, intentionally not paying claims and deleting them from their systems, and denying and cancelling coverage. Insurance fraud has existed since the beginning of insurance as a commercial enterprise. An epigram by the Roman poet Martial provides clear evidence that the phenomenon of insurance fraud

3942-611: The hands of certain doctors. Some scams involve double-billing by doctors who charge insurers for treatments that never occurred, and surgeons who perform unnecessary surgery. According to Roger Feldman, Blue Cross Professor of Health Insurance at the University of Minnesota , one of the main reasons that medical fraud is such a prevalent practice is that nearly all of the parties involved find it favorable in some way. Many physicians see it as necessary to provide quality care for their patients. Many patients, although disapproving of

4015-554: The health care industry's expenditures in the United States are due to fraudulent activities, amounting to a cost of about $ 51 billion. Other estimates attribute as much as 10% of the total healthcare spending in the United States to fraud—about $ 115 billion annually. According to the FBI, non-health insurance fraud costs an estimated $ 40 billion per year, which increases the premiums for the average U.S. family between $ 400 and $ 700 annually. Another study of all types of fraud committed in

4088-428: The idea of fraud, are sometimes more willing to accept it when it affects their own medical care. Program administrators are often lenient on the issue of insurance fraud, as they want to maximize the services of their providers. The most common perpetrators of healthcare insurance fraud are health care providers . One reason for this, according to David Hyman, a Professor at the University of Maryland School of Law ,

4161-520: The missing positions during the war. Although there were few attempts to burn U.S. forests, it continued to be a big concern due to the potential detrimental effects. This concern for arson attempts led to the rise of Smokey Bear who was the face of fire prevention and fire safety measures. Although the intention of Smokey Bear's persona is to encourage fire safety , Smokey shares a message of fire prevention which includes accidental fires that can sometimes be legally charged as arson. In New York, arson

4234-465: The most severe punishment for arson, is punishable by 10 years to life in state prison. A well-known example of arson which took place in California is the Esperanza Fire . Raymond Lee Oyler was ultimately convicted of murder and sentenced to death for a 2006 fire in southern California that led to the deaths of five U.S. Forest Service firefighters; he was the first U.S. citizen to receive such

4307-431: The motorist's insurer for whiplash and damage, which can pay the fraudsters up to £30,000. In the Insurance Fraud Bureau's first year of operation, the usage of data mining initiatives exposed insurance fraud networks and led to 74 arrests and a five-to-one return on investment. The Insurance Research Council estimated that in 1996, 21 to 36 percent of auto-insurance claims contained elements of suspected fraud. There

4380-413: The perpetrators of the orchestrated crashes. Such techniques are the classic rear-end shunt (the driver in front suddenly slams on the brakes, possibly with brake lights disabled), the decoy rear-end shunt (when following one car, another one pulls in front of it, causing it to brake sharply, then the first car drives off) or the helpful wave shunt (the driver is waved into a line of queuing traffic by

4453-743: The public can provide tips to insurance companies, law enforcement and other organizations regarding suspected, observed, or admitted insurance fraud perpetrated by other individuals. Regardless of the source, the next step is to refer these claims to investigators for further analysis. Due to the sheer number of claims submitted each day, it would be far too expensive for insurance companies to have employees check each claim for symptoms of fraud. Instead, many companies use computers and statistical analysis to identify suspicious claims for further investigation. There are two main types of statistical analysis tools used: supervised and unsupervised. In either case, suspicious claims are identified by comparing data about

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4526-415: The road. Possible motivations for property insurance fraud can include obtaining payment that is worth more than the value of the property destroyed, or to destroy and subsequently receive payment for goods that could not otherwise be sold. According to Alfred Manes, the majority of fraudulent property insurance crimes involve arson . One reason for this is that any evidence that a fire was started by arson

4599-520: The scammer who promptly crashes, then denies waving). Organized crime rings can also be involved in auto-insurance fraud, sometimes carrying out schemes that are very complex. An example of one such ploy is given by Ken Dornstein , author of Accidentally, on Purpose: The Making of a Personal Injury Underworld in America . In this scheme, known as a "swoop-and-squat", one or more drivers in "swoop" cars force an unsuspecting driver into position behind

4672-443: The schemes can be insurance company employees or claimants. False insurance claims are insurance claims filed with the fraudulent intention towards an insurance provider. Fraudulent claims account for a significant portion of all claims received by insurers, and cost billions of dollars annually. Insurance fraud poses a significant problem, and governments and other organizations try to deter such activity. Studies suggest that

4745-552: The scope of practice, alterations on claims submissions, and providing services while medical licenses are either suspended or revoked. Independent medical examinations debunk false insurance claims and allow the insurance company or claimant to seek a non-partial medical view for injury-related cases. According to the Coalition Against Insurance Fraud , health insurance fraud depletes taxpayer-funded programs like Medicare, and may victimize patients in

4818-425: The telephone, identity theft has become an enabling crime that can lead to the amendment of life insurance terms to benefit a fraudster; for example, by adding a second stolen identity as a new beneficiary. Life insurance fraud may involve faking death to claim life insurance. Fraudsters may sometimes turn up a few years after disappearing, claiming a loss of memory. An example of life insurance fraud occurred in

4891-676: The vehicle into the garage bill associated with the real accident. Personal injuries may also be exaggerated, particularly whiplash . Insurance fraud cases of exaggerated claims can also include claiming damage to the car that is not from the accident reported in the claim. Examples of soft auto-insurance fraud include filing more than one claim for a single injury, filing claims for injuries not related to an automobile accident , misreporting wage losses due to injuries, and reporting higher costs for car repairs than those that were actually paid. Hard auto-insurance fraud can include activities such as staging automobile collisions, filing claims when

4964-413: The verb ardēre , "to burn." "Malicious burning of property," 1670s, from Anglo-French arsoun (late 13c.), Old French arsion, from Late Latin arsionem (nominative arsio) "a burning," noun of action from past-participle stem of Latin ardere "to burn" (from PIE root *as- "to burn, glow"). The Old English term was bærnet , lit. "burning"; and Edward Coke has indictment of burning (1640). Arsonist

5037-404: Was a significant spike of unemployment fraud in the United States. In addition to fraudulent claims, insurers can lose premium because customers inaccurately describe the risk, causing less premium to be charged. This can happen for any type of insurable risk and is most noteworthy in workers compensation insurance, where insureds report fewer employees, less payroll, and less risky employees than

5110-613: Was already known in the Roman Empire during the first century AD: The "chief motive in all insurance crimes is financial profit". Insurance contracts provide both the insured and the insurer with opportunities for exploitation. According to the American Coalition Against Insurance Fraud , the causes vary, but are usually centered on greed, and on holes in the protections against fraud. Often, those who commit insurance fraud view it as

5183-471: Was convicted with two counts of insurance fraud in Santa Clara county. In the United States , the common law elements of arson are often varied in different jurisdictions. For example, the element of "dwelling" is no longer required in most states, and arson occurs by the burning of any real property without consent or with unlawful intent. Arson is prosecuted with attention to degree of severity in

5256-582: Was harmed. For example, while the sentence for setting fire to a building can be life imprisonment, the sentence for setting fire to goods in a building can only be up to fourteen years. [1] A notable historical act of arson in Ireland is the burning of Wildgoose Lodge , which resulted in the arrest, sentencing, and execution of 18 men, many of whom were innocent. More recently, the 2023 Dublin riot involved instances of arson, with many such acts targeting vehicles. Insurance fraud Insurance fraud

5329-507: Was subsequently extradited to Britain and imprisoned for seven years on charges of fraud, theft, and forgery. Another case would be that of Jack Gilbert Graham . He put a bomb on his mother's plane and purchased insurance before the flight took off. Health insurance fraud is described as an intentional act of deceiving, concealing, or misrepresenting information that results in health care benefits being paid to an individual or group. Fraud can be committed either by an insured person or by

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