When it comes to the list of most popular crimes, one would expect murder and theft to be at the top. Sure, these things are more natural to our society and make sense from a sociological standpoint. However, these two wrongdoings aren’t the most prominent crimes we commit. In recent years, there has been an outbreak of another, perhaps more complex crime. We’re talking about the nasty deed of insurance fraud.
Many people seek insurance protection against various possible occurrences. Shop owners insure their shops against theft and weather damage. Homeowners insure their residences against natural disasters. It’s basically a foolproof system, giving you an ability to invest a small amount of money and get considerable financial backing in case something goes wrong. Chances are small, but – it happens and it’s best to have protection against such cases.
Although insurance companies sometimes present unfavorable contracts, some people decide to return the favor – by committing insurance scams. They’ve gone to extreme lengths to face a disaster in order to get some quick cash to use on their own. Some people have been so meticulous and intricate in their plans that it’s almost impossible to bust them. Others might be suffering from severe mental deficiencies – as they’ve committed some of the stupidest financial scams possible.
We were tackling the project of insurance concepts and stopped to think about the most hilarious insurance scams possible. By scouring the internet for hours, we’ve managed to come across these twelve astonishing cases. Whether they were bored, under the influence of something or just deficient in the mental department, the results were hilarious. Let’s take a look at their hilarious and pathetic attempts at trying to double cross insurance companies. Hopefully, they’ve learned their lesson this time.
1. Gerald Hardin – Chops off a friend’s hand to get $670.000
If we were to consider the most bizarre crimes, this one would be in a close battle for the first place. It’s just a grim reminder of the lengths people are ready to go to in order to get their hands on some cash. Rather than invest effort at their jobs and better themselves, they find it much easier and worthwhile to try to scam people. And Gerald Hardin didn’t only try to scam the insurance company, he injured a person severely by doing it.
In South Carolina, he made a deal with two friends, back in 2008 to get their hands on some money. The guy had three accidental death and dismemberment insurance policies. Given the fact that he was a woodworker, it made sense for them to have insurance policies like that. Chainsaws can be pretty dangerous and can cause deadly injuries. Knowing that, Gerald Hardin and his friend decided to intentionally chop of the hand of the third friend and split the profits.
They managed to do so and successfully got their hands on $670.000, but were caught in the process. Using a thorough investigation of the severed hand, the police were able to conclude that the chainsaw accident was not really an accident. Hardin and the two men were caught red-handed and apprehended. He, as the instigator, was charged with causing severe injury, obstruction of justice and insurance fraud. If all three convictions go through, he may be looking at 20 years in prison and a $250.000 fine.
Not only did he commit insurance fraud, but he also ruined his friend’s life forever. His friend’s acceptance of the plan is yet another dimension of stupidity in this strange and perplexing case. Let’s hope Hardin gets the rightful punishment.