What is a common motivation for individuals committing insurance fraud?

Individuals committing insurance fraud often do so out of financial hardship. This motivation stems from a desperate need for money, which can lead people to unethical choices, including fraud. When faced with overwhelming debt, medical expenses, or a sudden loss of income, some might feel that committing fraud is an easier or more viable option to alleviate their financial struggles. This desperation can cloud judgment and lead to the rationalization that fraudulent behavior is justifiable in their circumstances.

While other motivations like the desire for adventure or chasing a thrill might be factors in other types of risky behaviors, they are not typically associated with the serious and consequential act of insurance fraud. Similarly, social influence might play a role in a person's decision to commit certain types of crimes, but financial hardship is a more direct and prevalent motivator for seeking out monetary gain through deceitful means. The strong correlation between financial difficulties and fraudulent activity underscores why financial hardship is often recognized as a common driving force behind insurance fraud.