>>Unfortunately, the basic incentives in the insurance industry still are, and always will remain, for companies to do as little as possible about fraudulent claims

Incorrect, the entire point of an insurance company is to collect as much in premiums as possible while paying out as little in claims as possible

the Clear basic incentive is to DENY as many claims as possible

>> What I see in the facts reported by the article are companies that have used fraud investigators who are poorly trained or under-resourced

I don't see that at all. I see the companies incentivizing "investigators" to find away to deny claims even if it means fabricating a good story wholesale.

The Contractor that had is business ruined by State Farm because he was talking to the press is a clear example of that

>> The insurers named in the article most definitely have been incentivized to learn the lesson not to refer marginal fraud prosecutions

Where on earth do you get any of these companies have "Learned their lesson"

Let me guess you are an insurance sales man, or in some way make your living connected to the Insurance scam?