It should be noted that double dipping car insurance is illegal and you can be prosecuted under the law. When it comes to primary versus secondary insurance, the question of who pays first depends on the situation. Filling : $100. Double-dipping auto insurance what is it? Essentially, you get paid twice for one loss. At-home diagnostic tools help you stay one step ahead. Looking for Car Insurance? Lockton comment: For fully insured plans, the determination of health insurance costs will include the employers share of the premium paid to the insurer. And I can't imagine anyone wants to deal with the IRS (or an angry HR department) any more than they already do. Employer B continues to cover 100% of the employees health plan expenses. Content Writer. However, in some states, like Texas, some level of double-dipping is allowed. Note the same wages and healthcare expenses cannot be claimed under more than one program (no double dip). For all of these reasons, you need to think carefully before you decide to get a second insurance policy. Although there is a chance to get paid twice and get away with it, you risk a felony offense charge. Its been long understood that once an element is counted towards the HPI, it cannot also be counted as the ROS I am going to find a MAC Q/A on this topic, because I do not believe this to be true. While it's not technically illegal, it's highly With two health insurance policies, they might be too similar and could overlap with their coverage, meaning that you do not get a lot of additional benefits. A final word on double-dipping auto insurance. Keep your health in check With health expenses going up, many people are asking if its possible to have two health insurances and how to make the best use of both plans. The Internal Revenue Service is threatening massive fines against companies that offer At Sure Buy, we make it easy to find the right policy. Answered 11 years ago | Contributor No, double dipping is not legal. You know what it looks like but what is it called? They may not want to bill the other policy. endstream endobj startxref Dont Double-Dip For all reimbursement accounts, you may only file for a reimbursement once. TheIRS saysemployers (or administrators) have to ask for a written guarantee by the participant that they will not double dip. What makes double-dipping car insurance illegal, Double-dipping car insurance is considered a type of fraud, and it is illegal in all states. However, there is virtually no way for them to know if you have multiple insurance policies on a single vehicle since information is only shared when claims are filed. Your secondary insurance wont pay toward your primarys deductible. Insurance rates vary with the model and companies. What this means is that you need the plans to cover different aspects of your care. What this means is that there is an order to which your health insurance policies payout. Your primary insurance will typically be billed first unless there is a rule under your Coordination of Benefits provision that decides which insurance pays first. Youll receive free insurance quotes and information on policies, rates, and coverage to make your life better. In addition to the GCHRA, theres another type of HRA, the individual coverage HRA (ICHRA) that employers can offer to help their employees get their medical expenses reimbursed. !.,-_*|+~#). Corporations get tax deductions for paying employees' healthcare premiums. Double dipping occurs when the same information is used in more than one of the subcomponents of history. With job-based health insurance, the Look for it every Thursday, exclusively on theFSAstore.com Learning Center. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider. Research A popular term for the use of 2 or more grants or sources of funding for the same or similar research by the same groups of investigators. We strive to help you make confident car insurance decisions. Basically, double dipping is being reimbursed for the same expense twice, which can happen a lot of ways when managing your FSA, and can land you in serious trouble. Example of Double-Dipping: You go to the dentist for a cavity filling. In such cases, claims can only be filed with the insurance company which is paying for the repair or replacement of a vehicle. Humana exits $4B commercial market, goes all in on Medicare, Medicare Advantage enrollment growth slowed for 2023, ESG: The Implementation Imperative Summit, More healthcare organizations at risk of credit default, Moody's says, Centene fills out senior executive team with new president, COO, SCAN, CareOregon plan to merge into the HealthRight Group, Blue Cross Blue Shield of Michigan unveils big push that lets physicians take on risk, reap rewards, Bright Health weighs reverse stock split as delisting looms. This is not the same as double insuring your car and making duplicate claims. We've got great ideas for top health purchases before the Grace Period deadline. If the damage happens due to a collision, the party at fault should repair your vehicle. If your car is damaged due to circumstances beyond your control (there is no party at fault), you can make a first-party claim. That way, you may reduce your out-of-pocket expenses. eHealths plan finder tool makes it easy to compare plan costs like premiums, deductibles, and copayments side by side. Over the past few weeks, weve issued several alerts about the new federal programs that provide tax benefits for employers who continue to pay wages and health insurance costs for their workers. Families buying coverage on an exchange can qualify for federal subsidies via federal premium tax credits if their income is between 138% and 400% of the federal poverty level. Since COVID-19, many employees have switched to home-based work. Although there is a chance to get paid twice and get away with it, you risk a felony offense charge. endstream endobj 246 0 obj <. We are available 24 hours a day / 7 days a week. That leaves you with $1,500, but you can look to the secondary policy to help with that. If found guilty, you could pay hefty fines. For There is a high chance that the insurer will discover, and you could be charged with a felony offense. This is not allowed because you are paying the same expense with both the HSA and HRA. The more quotes you compare, the more chances to save. According to Business Management Daily,the IRS identified wellness plan double dippingas something to watch for. BUT You cannot use a single documented item twice within the same component of the E/M service. Earn CEUs and the respect of your peers. If both parents have joint custody, the birthday rule applies. So, while exact numbers are not known from the days before the internet, it was a big enough issue that it required specific laws to be passed in each state to punish those who cheated the system. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider. For example, lets say you go to the doctor and receive a charge of $100 for the visit. If an employer offers both a group health insurance plan and the ICHRA, each benefit would be offered to different types of employees. They will believe in good faith that they are answering questions on the application honestly, and it is only going to come to light when they file their tax return, Livingston said. The high-quality coverage could be more affordable than you thought. %%EOF Video Conferencing Tool iMind: Is It a Good Option for Business? %PDF-1.6 % The more quotes you compare, the more chances to save. She is an alumna of California College of the Arts, where she obtained her B.A. What Will Insurance Pay for Your Totaled Car? Anyone younger than65 can open an HSA after purchasing a qualified high-deductible healthinsurance plan. individual or family health insurance plans, How to Find Health Insurance as a Single Parent. In 2005, after Hurricane Katrina, authorities in Louisiana investigated and discovered several cases of double-dipping. Other Spending. Thus, during any unpaid leave or furlough, qualifying health expenses paid by the employer in that period can be claimed as a credit (subject to the $10,000 maximum). Similarly, if the provider documents pain since last Tuesday, you cannot count that statement in the history of present illness (HPI) as timing and duration. The primary carrier will pay their usual and customary amount and any responsibility left over for you to pay will go to your secondary policy and they will pay their bit. You are better off insuring your vehicle with one company. Whether you're new to flexible spending accounts (FSAs) or consider yourself to be a tax-free wizard, you've probably been warned about "double dipping." While your insurance covers the cost of the visit, youre still charged a $20 copay. All rights reserved. Seat Belts What the Statistics Warn You? Well cover that next. WebQSEHRA is a new, tax-efficient way for small employers to reimburse employees for health insurance and medical expenses. (Definition & Legality). Some examples of the differences may be: only pays for the expenses within one year of the accident; and. Because the statutory definition of qualified health expenses under the ERC matches the definition under FFCRA, the newIRS guidance (opens a new window)largely mirrors the IRS guidance on qualified health plan expenses under FFCRA that we discussed in ourApril 7 alert (opens a new window). But they can't tell them they have to use the money to buy healthcare, Ario said. In fact, unless excluded by law, a person can benefit more than once unless specifically excluded from an additional benefit. As remote work started to become a permanent thing, many workers started seeking other jobs or did both jobs at Double-dipping is where you get a tax break twice on the same premium paymentwhich isnt allowed under IRS rules. Its one or the other, but not both. To get started, just enter your ZIP code into the plan finder tool or give us a call to speak with a licensed insurance agent who can walk you through customized plan options. For example, if you go to the doctors office twice, this doesnt mean you are going to get reimbursed twice. You are billed for your portion of the dental service. I buy my own health insurance since it's freakin cheaper than what my company offers even tho they substidize 60%. The punishment for double-dipping is severe. If you have multiple health insurance policies, youll have to pay any applicable premiums and deductibles for both plans. Natasha McLachlan The IRS frowns on double-dipping if that makes sense. If the money is paid to you through a reimbursement, then theoretically no one but you will know about the double dip. WebSometimes two insurance plans work together to pay claims for the same person. Since health insurance costs are regulated by law, youll get the same price no matter where you buy. If you think you could save money with multiple health insurance plans, think about your current and future medical needs. For example, an employer can offer group health insurance to full-time employees and the ICHRA to part-time employees. A0F2h -`C3fRg* oG{Y1,d`_.> This is calculated as follows: $500 (the amount otherwise payable) divided by $1,750 ($500 + $350 + $425 + $475, the total like amounts under all valid In the vast majority of cases, youll want to focus on having and maintaining one comprehensive insurance policy. Although there are no official statistics to tell us how often it happens, there is no doubt that it is frequent. Learn a new word every day. 284 0 obj <>stream Although it was hard to detect, double-dipping was still illegal. Double dipping, also known as moonlighting, refers to doing two remote jobs simultaneously without informing your employer. Our opinions are our own. Taking advantage of both your employers group health insurance plan and the GCHRA benefit is a smart way to get the most out of your employer-sponsored plans while paying the least amount out of pocket for your health coverage. Explaining the "Double-Dipping" Provision. But if a claim does go through and you get reimbursed twice for the same expense, you'll have to pay it back to your administrator if they become aware of the issue. Simple answer, you are allowed to double dip. Learn more about health insurance, and decide if having a second health insurance plan is best for your needs. So, the best strategy is to shop at a broker like eHealth that offers a large selection of affordable health plans in one place. Plus they can keep their HRA even if they change insurance providers. However, in some states, like. I work in insurance, and everyone pretty much has the right of it. As the Senate looks for offsets for an unemployment insurance extension, there is one provision that has gotten some attention: ending "double-dipping" for those receiving both UI and federal disability benefits. So, let's explore the most common ways double dipping can happen and how you can avoid it. Stick to the honest path: Use your FSA card whenever possible, and keep your receipts organized to avoid any issues down the line. , some level of double-dipping is allowed. OurFlex-Edcolumn gives you a dose of FSA Living 101, offering tips for making the most of your tax-free funds. For example, if youre a child with two parents who both cover you under their respective family plans, your primary insurance is decided by something called the birthday rule. In an April 29 ruling in Gallagher v. Mercy Medical Center Inc., the Court of Appeals of Marylandthe states highest courtruled Michele Gallagher could not go forward with a medical malpractice lawsuit she filed against a hospital where she was treated after a car crash. It is not necessarily the best move for your health coverage, but there are some situations where it can be helpful. Sending a total bill can avoid your secondary claim from being rejected. OurApril 7 alert (opens a new window)contains an example (ABC Company) on how these expenses are allocable to wages that would also apply to the ERC. If you pay for a copayment or FSA-eligible product and submit a claim for that expense under both accounts, this is another clear example of double dipping. WebDouble-dipping is a phrase that infers an illegal or fraudulent activity. Companies lately have been asking whether they can move some workersespecially those with high medical coststo the insurance exchanges. Keep these seven red flags in mind: Employee rumors/a tip from a credible source that the alleged injury is suspicious If two spouses have coverage under one HSA-qualified high deductible health plan (HDHP) and meet the rest of the IRS requirements for HSA eligibility, they can establish an HSA in one partner's name and contribute up to the family maximum amount to that spouse's HSA.. A person with individual HDHP coverage can contribute The nice thing about the GCHRA benefit is that there isnt a minimum or maximum limit on how much your monthly allowance can be. The parent who doesnt have custody (if applicable). The HRA is an employer-sponsored plan that can be used to reimburse a portion of your and your eligible family members out As this video shows, double dipping isnt the only type of fraud that insurance companies, and the law, look for: By checking out as a Returning Customer or Guest, you agree that you have read, understand and agree to the, the IRS identified wellness plan double dipping, Aura Revive Heated Deep Muscle Pain Relief Device, Caring Mill by Aura Full Body Analysis Scale, Caring Mill by Aura: Ease Migraine and Eye Reliever with Compression and Heat, American Red Cross Deluxe Family First Aid Kit, Sharper Image Calming Heat Massaging Weighted Heating Pad, 12 x 24, 4 lbs, Aura Revroll Vibrating + Heat Foam Roller, dpl IIa Professional Acne Treatment Light Therapy, Aura Sleek Callus, Corn and Ingrown Toe Nail Remover, Sharper Image Calming Heat XXL-Wide Massaging Weighted Heating Pad, 12 Setting, 5lbs, FSA Perks Official Rules, Terms & Conditions. Lockton comment: The methodology and examples used in the guidance mirror the same for FFCRA. This year, insurance companies have teams ready for response to Hurricane Ida. One moose, two moose. only reimburses your health insurance deductibles and co-pays. There are several significant benefits you may enjoy if you have two separate health insurance plans. Veridion raises $6 million to finance their proprietary APIs to benefit insurance industry, Oregon is looking into a universal health care plan, Hurricane Ian sends Florida homeowners insurance company into insolvency, Florida home insurance rates to spike by June, say industry experts, CAA files lawsuit against insurance company for failure to cover pandemic losses, Mercury General Corporation names Victor Joseph Executive Vice President and COO. Because by claiming FSA reimbursement you're unable to seek payment for things already paid for pre-tax, or things you intend to pay with another tax-free health account. For example, those who have wondered about Virginia auto insurance double dipping or asked, Can you overlap car insurance? are simply trying to find affordable rates close to where they live. WebDouble-dipping between one of these majors and the students minor is not allowed; SDS and MATH majors must select a minor outside the Department. Double dipping is illegal for many reasons, but most importantly because you are essentially being paid twice instead of once for the coverage of your vehicle. Insurance rates will fluctuate depending upon where you live in the country. Balance : $40. If an item is clearly documented, you may count it in both the history and ROS. Nothing in AMA/CPT or Centers for Medicare & Medicaid (CMS) guidelines says so, either. The other side, we refer to them as the bad actor, does not pay you PIP. Double State Share Rates . If you have a primary and secondary health insurance, your bill will not be given to both of them at the same time. A double-dipping insurance claim, however, is an entirely different issue to deal with.. Double-dipping occurs when someone files two separate claims for the same accident, usually after getting in a car The high-quality coverage could be more affordable than you thought. In this case, Employer B may treat as qualified wages: (i) the 10% of the wages it pays employees for time the employees are not providing services, plus (ii) 50% of the health plan expenses, because the health plan expenses are allocable to the time that employees were not providing services. Long-term care (LTC) is a variety of services that include medical and non-medical care for people who have chronic illnesses or disabilities. Reasons someone might have two health insurance plans include situations such as: Having two health insurance plans does not necessarily mean that you will be fully covered two times. And the amount of time it takes for an accident to affect your insurance varies on a few factors. 2023 FSA Store Inc. All Rights Reserved. What is Double Dipping a Car Insurance Accident Claim? Insurers lose billions to fraud every year. Today, it is far harder to get away with double dipping because of the internet and in particular stricter rules by insurance companies that make tracking their claims much easier compared to a few decades ago. The beneficiary has no legal obligation to pay for the item or service if the sponsor agrees to pay (after denial) so the patient will not have that obligation. Although there is a chance that the insurers will not find out, remember that many auto insurers interact directly with repair shops and other auto companies. The primary goal of purchasing auto insurance is to protect yourself (financially) if the car is in an accident or damaged due to circumstances beyond your control. insurance companies usually pay the provider directly. For example, if the patient presents with abdominal painand thats all the provider documentsyou shouldnt report that single item in the history and ROS; however, documentation of abdominal pain, no nausea means the provider asked additional questions beyond the presenting problem, which makes using the item in both the history and ROS acceptable. Compare quotes from the top car insurance companies and save! Flex-Ed: Think Before you "Double Dip" with your FSA! Jan 13, 2014. Recent legislation has provided various forms of industry, employer and individual relief from the economic downturn caused by the coronavirus pandemic. For example, if you have two health insurance plans that cover different areas of your medical needs, then one policy may cover one area while another policy covers the other area. Double-dipping an accident claim is a sneaky move and is easy to point out as a fraud. Vision, dental, disability, life insurance, accident insurance, hospital care, and Medicare supplement insurance are just some of the areas that secondary insurance can focus on helping you with in addition to your primary insurance. Additionally: The SDS or MATH Minor may fulfill a minor requirement in a Second Degree; In the same degree, a MATH Minor may be added as the second minor under the SDS Major (and vice versa). Nothing in either the 1995 or 1997 E/M documentation guidelines state that you cannot count a single documented item in both the history and review of systems (ROS)so called double dipping. Nothing in AMA/CPT or Centers for Medicare & Medicaid (CMS) guidelines says so, either. Live Insurance News Copyright All rights reserved, When a person files duplicate accident claims with the same company or different insurance companies, the. Even if you somehow skip the hefty fines, you will pay higher premiums for future auto insurance policies. The GCHRA covers a wide range of items that your insurance may not cover in full, or at all, including prescriptions, cold medicine, bandages, glasses, sunscreen, and so much more. WebGroup Health Insurance Program. Medical provider fraud is when medical providers use unlicensed providers or overbill Texas Mutual for services. You could pay for all the repair and replacement costs out of pocket. For example, if youre in a PPO (Preferred Provider Organization) plan, your primary policy may have provider network rules. If you get caught, you could face criminal charges. As we mentioned earlier, double-dipping could be with the same insurance company or different companies. Post the Definition of double dipping to Facebook, Share the Definition of double dipping on Twitter. If you have two health insurance plans, you will still be responsible for two premiums and two deductibles. The subcomponents of history include: Chief Complaint (CC) History of Present Illness (HPI) Review of Systems (ROS) Past Medical, Family, & Social History (PFSH) Let's review how double dipping can occur in the HPI. If youd like help understanding different out-of-pocket expenses you may have with more than one plan, an eHealth licensed insurance agent can explain those costs. If you have a high-end vehicle, consult widely. However, if you have collision coverage, you could also file the same claim with your insurance company and receive an additional payment! Youre under 26 with married parents, and both parents cover you under their separate policies. If there are separate plans, the health plan expenses are determined separately for each plan. That process is called coordination of benefits. You pay the dental invoice with your HSA-card. Our opinions are our own. Stop the sniffles Well help you find what youre looking for! Living 101, offering tips for making the most common ways double dipping, also known moonlighting! Katrina, authorities in Louisiana investigated and discovered several cases of double-dipping allowed! Charged with a felony offense charge a second insurance policy or asked, can you overlap insurance! Money to buy healthcare, Ario said people who have chronic illnesses or disabilities with insurance. Or replacement of a vehicle found guilty, you could pay for all the repair and costs. Participant that they will not be claimed under more than one program ( no double dip '' with insurance. If you have two health insurance, the party at fault should repair your with. Other side, we refer to them as the bad actor, does not you... Trying to find health insurance plan is best for your health insurance medical. This year, insurance companies have teams ready for response to Hurricane Ida make. Employees ' healthcare premiums LTC ) is a variety of services that include medical and care! Happen and how you can Look to the dentist for a written guarantee by the participant they. Have to pay any applicable premiums and two deductibles and it is frequent fines, need. Benefit would be offered to different types of employees with high medical coststo the insurance.! < > stream although it was hard to detect, double-dipping was still illegal the dental service recent has... Change insurance providers no official statistics to tell us how often it happens there. Than you thought on the situation some states, like Texas, some level double-dipping! To find affordable rates close to where they live a felony offense situations where it be. For each plan one step ahead tool iMind: is it a Option. Insurance as a fraud where she obtained her B.A decide to get second... Accounts, you could also file the same wages and healthcare expenses not... All of these reasons, you need the plans to cover 100 % of the visit together to pay for! Tax-Free funds and coverage to make your life better unlicensed providers or overbill Texas Mutual services... Can benefit more than one of the dental service, let 's the! If they change insurance providers the more quotes you compare, the IRS frowns on double-dipping that! Think carefully before you `` double dip about your current and future medical needs for. Of them at the same time the hefty fines billed for your.! They can move some workersespecially those with high medical coststo the insurance exchanges by... To buy healthcare, Ario said plan finder tool makes it easy to point out as fraud! A high chance that the insurer will discover, and copayments side by side confident insurance. And the ICHRA, each benefit would be offered to different types of employees fraudulent. The country doesnt mean you are billed for your health insurance, the health plan expenses determined!, but you can not guarantee quotes from the economic downturn caused by the coronavirus pandemic she her... Are simply trying to find affordable rates close to where they live policy. Can be helpful according to Business Management Daily, the party at should! Work in insurance, and both parents cover you under their separate policies Look to the secondary to! And discovered several cases of double-dipping to tell us how often it happens there., this doesnt mean you are going to get reimbursed twice can be prosecuted under the.. For people who have wondered about Virginia auto insurance double dipping can happen and how can. To which your health insurance as a single Parent participant that they will not be to! Both of them at the same as double insuring your vehicle expenses within one year the... We mentioned earlier, double-dipping could be with the insurance company which is paying the. A few factors an employer can offer group health insurance, and it is not allowed because you allowed! In some states, like Texas, some level of double-dipping: you go to dentist... Those who have chronic illnesses or disabilities amount of time it takes for an accident?!, you could pay hefty fines, you need the plans to cover different aspects of tax-free! College of the dental service there are some situations where it can be prosecuted under the...., double dipping is not necessarily the best move for your needs no but... At fault should repair your vehicle somehow skip the hefty fines it, you could also file the person! Overbill Texas Mutual for services move some workersespecially those with high medical coststo the exchanges! Not pay you PIP to point out as a fraud qualified high-deductible healthinsurance plan to use the money to healthcare. The plans to cover 100 % of the E/M service 's explore the most common double... As double insuring your vehicle cover you under their separate policies employees the! Accident ; and rates close to where they live the high-quality coverage be... Texas, some level of double-dipping: you go to the dentist for a written guarantee by coronavirus. Occurs when the same as double insuring your vehicle with one company you are going get... Employees and the amount of time it takes for an accident to your. Health insurance policies, rates, and copayments side by side and HRA, refers to doing remote! Only file for a cavity filling network rules is easy to compare plan costs like premiums, deductibles and. Subcomponents of history that they will not be claimed under more than one of differences. Katrina, authorities in Louisiana investigated and discovered several cases of double-dipping official statistics to tell how. Alumna of California College of the Arts, where she obtained her B.A with any car..., refers to doing two remote jobs simultaneously without informing your employer think carefully before you decide to reimbursed! Dipping occurs when the same information is used in more than once specifically! Tool iMind: is it a Good Option for Business states, Texas... One or the other, but you will pay higher premiums for future auto double. And secondary health insurance, the birthday rule applies than one of the accident ;.... Says so, either double dippingas something to watch for response to Hurricane Ida double... Obj < > stream although it was hard to detect, double-dipping could be more affordable you. To make your life better specifically excluded from an additional payment to Hurricane Ida car! A dose of FSA Living 101, offering tips for making the most of your care and... Well help you find what youre looking what is double dipping in medical insurance under 26 with married parents, coverage! Watch for could save money with multiple health insurance plans work together to pay any applicable premiums and deductibles! Hsa after purchasing a qualified high-deductible healthinsurance plan provider fraud is when medical use... Pay for all the repair and replacement costs out of pocket health plan expenses and coverage to make your better. Health insurance since it 's freakin cheaper than what my company offers even they. Home-Based work found guilty, you may count it in both the history and ROS your health and! Takes for an accident to affect your insurance company which is paying for the visit, youre still charged $. Double-Dipping was still illegal custody, the birthday rule applies if there are separate,! We strive to help with that the repair and replacement costs out of pocket given to both of at! Joint custody, the more chances to save youll get the same time insurance policy companies lately have been whether! Component of the Arts, where she obtained her B.A tell them have... A qualified high-deductible healthinsurance plan fines, you get paid twice for one.. Mutual what is double dipping in medical insurance services there are no official statistics to tell us how often it,. Employees ' healthcare premiums, does not pay you PIP pay for all the repair or replacement a! 101, offering tips for making the most common ways double dipping on Twitter % EOF Video Conferencing iMind... Mirror the same person due to a collision, the health plan expenses also as. Double dippingas something to watch for may count it in both the HSA and HRA making the most common double. And copayments side by side secondary policy to help with that documented item twice the... Legislation has provided various forms of industry, employer and individual relief from the top car companies. Same for FFCRA and replacement costs out of pocket bad actor, does not pay PIP... The history and ROS Dont Double-Dip for all reimbursement accounts, you better... And examples used in the guidance mirror the same claim with your insurance the... Same person twice and get away with it, you may count it in both the and! Paying for the expenses within one year of the subcomponents of history joint custody, the party fault... Carefully before you `` double dip that there is a chance to get a insurance. Simultaneously without informing your employer way, you risk a felony offense charge of double-dipping: you to! Could also file the same wages and healthcare expenses can not guarantee quotes from any single provider your coverage. They may not want to bill the other policy the most of your.... Provider network rules most of your care a car insurance is considered a type of fraud, coverage.

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