I see everyones points but im going to go against the grain
until you work in the industry, you don't realise who commits the fraud.
95% of all my case files at the moment involve people who are from either polish or asian backgrounds
i am not a racist, i treat everyone the same, but the facts are the majority of the fraud is committed by people from these backgrounds.
saying that, one thats been closed a few weeks back, guy pretended he crashed in to a tunnel wall in a country lane when avoiding a deer, claiming injury for 5 males in the car, left his phone on after making the inital call to make a claim, laughing with his mates how much they will claim for... they are all white males!