The Golden Tooth

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True Crime of Insurance Fraud Video Number 46

Barry Zalma, Esq., CFE presents videos so you can learn how insurance fraud is perpetrated and what is necessary to deter or defeat insurance fraud.

A broken tooth is a tragedy to most people. To the waitress a broken tooth was the beginning of a career.

For fifteen years she waited tables in restaurants varying from small coffee shops to exclusive French restaurants. She saw, almost weekly, at least one customer trying to avoid paying for a meal. They would find flies in their soup or chunks of metal in their hamburger. Sometimes it was the fault of the restaurant and sometimes it was blatant fraud. Some people actually suffered injury because of inadequacies in the kitchen.

One Sunday afternoon, sitting in front of her television munching on a dish full of almonds, her right upper incisor snapped and she found half a tooth in her hand. No blood and no pain, just half a tooth in her hand and a jagged piece in her mouth.

The waitress was very creative. She saw the broken tooth as the start of a profit making venture. Since she had Sunday evening off and no specific plan, the waitress made a reservation for one at a fine restaurant where she had once worked. She took with her to the restaurant, safely tucked in a compartment of her purse, the broken tooth and a small piece of steel that she cut from the top of a coffee can.

Her efforts at insurance fraud were successful. However, she became greedy and eventually, her name and broken tooth story began to appear in insurance company databases. The Fraud Division, noting that she was claiming only $650 concluded that the claim was too small to warrant the expenditure of investigative time. No one would investigate further, or prosecute, the waitress.

Rather than take further chances, she moved to another city where she continued in her new profession. She is probably having a fine meal in your town tonight.

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Barry Zalma, Esq., CFE, is available at http://www.zalma.com and [email protected].

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