 This is News Radio WBRN, Big Rapids. Paying for insurance may not be on your favorites list, but paying more to cover the cost of insurance fraud only adds to the frustration. Some people cheat their insurance companies a little, exaggerating a claim or adding to the items that were supposedly stolen when the car was broken into. But some people make a living out of cheating insurance companies. For example, they stage auto accidents and claim injuries that never happened.