Analyze Claims History
Submitted a lot of claims during your lifetime, or claimed a lot of losses? Those are immediate red flags, and anything you submit will be closely scrutinized [source: Theim]. This is especially true when it comes to homeowners and auto insurance; one of the most popular schemes cooked up by average people (meaning non-professional crooks) is to report their cars missing [source: Theim, Insurance Networking News].
Insurers also try to discern any patterns in your past claims regarding their frequency and type. You may not realize it, but insurance companies keep in-depth records on claims and do all sorts of analyses to interpret the data they contain -- everything from figuring out who is most likely to file a claim to when and where. If your claim doesn't match the typical pattern, they'll notice [source: Money Q & A].