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Comment by tropo | Hacker News Reader

Financial situation affects both house appearance and insurance claims. Some people won't bother to file legitimate insurance claims for small things, while other people will file fraudulent claims.

House appearance and car crashes will be related by risk-taking behavior, carelessness, and being too tired. For almost any two things in life, an inability to keep one in good order will most likely predict the other.

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The view from within an insurance company: insurance fraud occurs across the spectra of socioeconomic statuses. Whether people file a small claim or make a fraudulent claim is driven mostly by their personality. Often those with more feel entitled to get more back from a claim.

The difference a claimant's personal situation & qualities makes to the claim is often via prejudices of the claims adjuster. Which is why we implement automated fraud detection to help identify those who otherwise appear "honest".

Interestingly, the guy who rear ended me was in a 30-year-old pickup and had a suspended license.

Interestingly, I drive old, cheap, used cars, and have a professionel license for every imaginable kind of vehicle under the sun.

Also, I live in a somewhat decrepit house from around 1890, in a postcode area of no prestige whatsoever.

In 40 years of driving, I have not been in any collision, and have never filed an insurance claim.

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