An insured vehicle is completely destroyed by fire. In which of the following circumstances is there an indicator that insurance fraud may be present? a. The insured carries liability coverage only on a car that is 15 years old. b. The insured is available and helpful to the claims agent assigned to handle his claim. c. The insured is several months behind on his car payment. d. The insured's car is paid off, and he has a moderate amount of consumer debt. Your client is in the process of an ugly divorce and his personal and business financial situations are suffering. You learn that he reported his vehicle stolen and that it was later discovered completely burned on a desolate stretch of road. The claims department is investigating the claim as a possible fraud in a scheme known as: a. owner give-up b. drive down c. paper claim d. combustion What is the term used to describe a person who, in order to continue to collect workers' compensation or disability benefits, takes an especially long time to feel well enough to return to work? a. double dipping b. malingering c. lazy d. loiterer