 But some people make a living out of cheating insurance companies. For example, they stage auto accidents and claim injuries that never happened. They file phony workers' compensation claims to collect unearned wages and payments for medical bills. Or contractors intentionally do shoddy repair work after a storm, or no repairs at all, as long as they get paid up front. Most doctors, lawyers, and contractors are honest. But the dishonest ones look at insurance companies as easy targets and rip them off to the tune of billions of dollars every year. And guess who pays for their crimes?