[Bring_Back_Shantz]

Originally Posted by Matt Reeeeead

Here's why I don't think its fraud:

This was basically a negotiation to determine what each side thinks the price if worth. Each side has discretion of what they think the car is worth. The insurance company just wants to avoid a court situation. All the poster did was "bluff" that he felt the car was worth more based on some flimsy kijiji ads. We know kijiji ads, for one, don't show completed sales of the final sale price, and that they can be made by anyone. Its evidence of nothing. All it showed was that the other side of the negotiation was prepared to make a fight about this. He could have just as easily forwarded emails from a few friends saying "I think the car is worth 6k, not 4k". Its meaningless, just an opinion.

He didn't falsify actual records of sales. He made fake kijiji ads which inherently every party involved would not deem as satisfactory evidence of anything. IMO, all he did was "bluff" and the insurance company likely knew their original offer was low (which presumably they normally do since they assume most people are unlikely to negotiate much) and the fact he came back with anything at all is probably why they upped the offer. I'd be completely floored if the insurance company actually put any merit whatsoever on the kijiji links. They would have databases of actual sales.

Yeah, he could have had people send him their opinion of what he thought the car was worth and disclosed the actual source. What he did was completely fabricate kijiji adds which is basically the same as saying "Here are x number of people who think the car is worth x amount."

In one case he is being honest about where the info is coming from.
In the other he not only misrepresented what he was providing, but he created it himself with the explicit intent of presenting it as genuine.