Margo tries to obtain an auto loan and is denied. She discovers that someone has rented an apartment in her name and has been issued several credit card accounts that have not been paid. Margo is a victim of which type of fraud? a. claim mill b. phantom billing c. identity theft d. double dipping A shady medical clinic is suspected of billing an insurance company for services not performed. Which of the following fraudulent practices might this provider be committing? a. kickbacks b. underutilization c. overutilization d. phantom billing Who is engaging in hard auto insurance fraud? a. A woman stages an accident with a friend in order to collect on previous damage to her vehicle. b. A woman convinces her friend, who owns a body shop, to inflate the amount of damages when her vehicle is hit from behind. c. A man reports more wages lost from injuries from an auto accident than wages actually lost. d. A man is hurt at work and files claims against his homeowners and personal auto policies, in addition to a workers' compensation claim, for the same injury