Conviction can result in imprisonment, fines, and loss of professional licenses. Insurance fraud occurs in virtually all types of insurance, including automobile, worker's compensation, disability, healthcare, life and homeowner's.
Some people think the victims are the insurance companies.
In reality, the victims are all of us who must pay higher insurance premiums and higher costs for goods and health care as a result of fraud. You can be the target of a fraudulent auto crash and can be injured or killed. Sometimes a confederate will box you in by driving next to you so that you can't change lanes to avoid rear ending the crook. Back off when someone cuts in front of you. Have your brakes checked regularly.