The principle of insurance is that we all share in the expense of a loss. When everybody puts money into the bucket, if some small group of people experience a loss that year, we all share in that loss. The principles are that you do not gain, you do not benefit, other than being as best as possible being put back to the position before the loss, but you don't gain.
You're saying people who have not experienced a loss are gaining from that at everybody's expense. It makes everybody's insurance much more expensive when you have corruption. Most of the people who are in the investigative portion of your business, in my understanding, have police backgrounds, a large percentage of them, so they understand how the whole system works.
You also have houses involved. You've given examples of cars, but you could have fraudulent burning down of a house, or a loss of personal property, or even a car being burned because it's going to cost too much to fix the transmission, so now they can get $2,000 for the car that really was worthless.
There are many different ways. For houses, is this also a problem, where you can be tracking these losses to make sure that we're not all paying for fraudulent claims?