The insurers should only pay out if there was a massive car pile up. Not trivial things like a scuffed bumper, clipped wing mirrors or a minor crash with a single fatality.
To lower fraud you have to lower premiums, to lower that you have to lower accidents, to lower that you have to lower the speed limit. Only problem with that is it encourages curb crawling and with that the decay of family values. It’ll have to be one or the other.
My insurance company has been hit with a lot of fraud in the last few years. As apparent in the fact that they can only sponsor a shit team like
Norwich City. Had there been another £50m spare they could be on the shirts of Chelsea or Arsenal.
If I stop at every stop sign all my life I’ll not get a penny back from them vultures. But should a racer boy decide to fling his car off a bridge he’ll get a lump sum and some really cool scars that the birds will go jelly for. Some justice.
Insurance is a big con. You give money for the, against the odds, chance that you’ll get loads in return. It’s an absolute swizz and scandal. And I wish I had every red cent I’ve had to pay back so I could put it towards something worthwhile like the bookies.