Lesson
Insurance Scams & Fraud
Summary
The biggest threat to your insurance isn't a car wreck — it's the person who stages one. Explore how scammers exploit insurance systems and how to protect yourself from fraud, phishing, and identity theft.
Bellringer: The Hidden Cost
- Share the $300 billion annual insurance fraud cost stat
- Ask students to guess who ends up paying, then reveal it adds $400–$700 a year to the average household's premiums
Instruction
- Define soft vs. hard fraud, then expand into healthcare, disaster, and consumer scams
- Connect digital footprint exposure to fraud filed in your name
Activity: Real or Fraud?
- Pairs read each scenario and label it Real, Soft Fraud, or Hard Fraud
- Push students to defend verdicts and identify the telling detail
Discussion: Defending Verdicts
- Compare verdicts on the ambiguous scenarios
- Have students name one detail that distinguishes honest claims from fraud
Wrap-Up & Assessment
- What's the difference between soft fraud and hard fraud?
- How does protecting your digital footprint reduce fraud risk?
| Est. Time | Activity | Description |
|---|---|---|
| 5 min | Bellringer: The Hidden Cost |
|
| 10 min | Instruction |
|
| 18 min | Activity: Real or Fraud? |
|
| 8 min | Discussion: Defending Verdicts |
|
| 4 min | Wrap-Up & Assessment |
|
Class Presentation
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Unit 9: Insurance & Risk
Renters & Homeowners Insurance
Your stuff isn't covered just because you have a lock on your door. This lesson explores how renters and homeowners insurance protect both belongings and liability, and what young adults often get wrong about coverage.
Protecting Life & Income
Your paycheck and your pulse are your two biggest assets. This lesson explores how life, disability, and health insurance shield income from the curveballs nobody sees coming.
Insurance Scams & Fraud
The biggest threat to your insurance isn't a car wreck — it's the person who stages one. Explore how scammers exploit insurance systems and how to protect yourself from fraud, phishing, and identity theft.
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