4) Which of these insurance fraud schemes would be most likely to be committed by someone who works for an insurer or insurance agency? a. Accessing cash accounts that belong to the insurer or insureds b. Submitting false claims to a property insurer because the insured business owner lacked funds to complete a partially completed building renovation Promising to complete repair work, taking funds paid by an insurer to a claimant, and then leaving the claimant's repair work unfinished d. Prescribing unneeded medical services and submitting an inflated bill to the insurer