Which aspect does NOT qualify as an insurance red flag?

The aspect that does not qualify as an insurance red flag is basic insurance questions on applications. When individuals fill out insurance applications, they are typically asked foundational questions designed to assess risk and determine appropriate coverage. These standard questions pertain to personal information, prior insurance history, and details about the insured property, among others. Answering these questions truthfully and consistently is essential for underwriting processes and does not indicate suspicious behavior.

In contrast, the other options reflect behaviors that can signify potential fraudulent activity. For instance, frequent claims exceeding the policy's limits could suggest abuse of the policy, while denial of accidents despite evidence of minor injuries might point to attempts to manipulate the claims process. Additionally, inconsistent information across multiple policies can indicate deception or fraudulent intent, as differing statements may be used to exploit loopholes or gain unauthorized benefits. These behaviors raise concern and warrant further investigation to protect the integrity of insurance practices.