It's not a retail store that can check the inventory and if something is missing and wasn't sold it's counted as a loss. If the insurance companies find a fraudulent claim THEY DON'T PAY. Even if it is a fraudulent claim and they pay, they don't know that. The end of the year they look at bottom line numbers. We made x amount of dollars. Oh not enough were paying out too much money on our policies better raise the rates. Are you really defending insurance companies? You're smarter than that.