No one pointer alone is sufficient to form an opinion that a claim is fraudulent, nor should be treated as suspicious. The insured is eager or over honest to accept full responsibility for the accident. The accident is a major accident, in an isolated or quiet area, usually very early morning, and there are no specials. Minor collision resulting in excessive repair costs. No towing charges, even when damages suggest vehicle could not have been driven from the accident scene.
All vehicles end up at the same body shop for repair.
The appraiser has a tough time getting to look at the vehicle. Rental vehicles are involved. Three or four unrelated occupants in claimant vehicle. One or more of the occupants give a false residence, hotel or post office box as an address. The collision or accident is major, but it has an over the counter Police report, or no police report, there was no paramedic attendance.