I have seem that kind of answer on previous questions on car insurance.
My thoughts are: the head office of insurance companies are made up of lawyers that specialize in probability. They have folks on their payroll that deal with claims multiple times everyday. Good insurance companies pay out on legitimate claims and don’t pay on fraudulent claims. They do that to protect their customers and shareholders. If you think you can outwit someone that on a daily basis makes a living sifting out the chaff from the wheat, well then that is just you. My take is they have already seen that scenario and know very well what it looks like.
