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Fraud and scams are huge amongst American Insurance Companies according to "Fraud Digest".

Prompts in the environment make their way beneath your conscious radar and into your mind, affecting your mood and behaviour. Past research has shown that a briefcase, as opposed to a rucksack, on a table, leads people to behave more competitively. A wall poster featuring a pair of staring eyes increases people's use of an honesty box. And a 2009 study found that pictures of companionable dolls increased the likelihood that toddlers would help a stranger pick up sticks they'd dropped. Now Mark Rubin at the University of Newcastle has added to this literature with an adult study showing that pictures of companionship don't just increase the giving of help, they also increase the intention to seek help.