This article is extremely long.
But you might want to read it. At least part of it.
In an investigative report the journalist documents 4 insurance companies who have had police (paid by the insurance companies) charge their own customers with insurance fraud. There is also payment for prosecutors who charge and prosecute the insurance customers for fraud with evidence provided by the insurance company.
The results are devastating from huge sums of money for defense to actual prison terms.
Seems to me good reason to NOT buy insurance. Save your own money and pay your own claims.
PS: Here’s a little snippet from the article.
The mood was jovial. Enjoying drinks and catered meals, insurance company investigators and police detectives greeted one another as old friends, swapping war stories and trading the latest tips and tricks from the field. Vendors pitched surveillance services and social media monitoring software that allow investigators to covertly track policyholders suspected of fraud. Police officers in business casual attire, mindful of the lucrative investigative jobs open to former law enforcement officers, marveled at how easily insurers were able to obtain the kind of private information that law enforcement can get only with a court order — bank and phone records, for example — thanks to policy contracts that require customers to cooperate with investigations.
Versions of this fraud conference occur across the country. But nowhere is the relationship cozier than in Pennsylvania, where the state Insurance Fraud Prevention Authority not only organizes the annual meeting, but pays the salaries of dozens of police officers and prosecutors.
You really should read this.