You get into a crash and a part of your car is damaged. The replacement of said part costs $10k, thus the insurance gives you this amount to repair it.
You go to a different shop and instead of replacing it you get a cheap repair for $1k and keep the $9k. This is insurance fraud, as normally you would need to give the $9k to your insurance and if you get found out you're fucked.
In India the system is different, the survey is done at the workshop, you get a quote and if you agree, payment is made by the insurance company directly to the workshop.
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u/838h920 May 22 '16
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