Equally unfortunate, in their efforts to combat insurance fraud, insurance companies and government investigators often get overzealous in accusing individuals and businesses of fraudulent conduct. The insurance companies have every incentive to deny claims, and they have teams whose sole job is to challenge claims on the basis of fraudulent conduct. When an insurance company alleges fraud, it can deny the policyholder’s claim, retroactively cancel their coverage, seek civil penalties, and then turn the case over for criminal prosecution.