Is There a Way to Spot Fraud?

i always thought an excess was a fairly reliable, costly signal that the person wasn't intending to claim fraudulently. But what tended to happen, because it always struck me that actually, you know, somewhat, some one intend intending to be fraudulent would tend to choose the lowest possible excess. And at the a, i think that culture has waned. I thinkat that we now, was true ten or 15 years ago, where it's like, o you jst. You know, particularly because you don't have insurance brokers any more.