Each year our nation incurs about 100 billon dollars in claims that are fraudulent.  Reports show that one  out of three bodily injury claims involve some type of fraud.  Fraudulent claims that never should have been paid.  This factors down to about        $ 850.00 per household. 

Basically  this money is coming out of your pockets.  The industry spends about 50 million a year to fight fraud, and until we can find a better way to eliminate fraud we need to protect ourselves.