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What may constitute fraud in the context of an insurance claim?

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Fraud is an intentional misrepresentation, as opposed to a difference of opinion. For example, if you’re making a claim for some shoes that were destroyed in a fire. If you have a disagreement with the insurance company as to whether they are valued at $100 as opposed to $80, that’s a difference of opinion. However, if you make a claim against your insurance company for the loss of 10 pairs of shoes and you only had 5, that would constitute a fraud and could give the insurance company a basis for denying your claim.

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