well it looks like I already have something to be grateful for this thanksgiving ! I give the people who suspended the account my utmost gratitude <| sep |> FYI Valve Steam . <| sep |> Playable Cat DLC to counter pigeons probably , and they can ride in mini moter bikes <| sep |> If this is known as the Faker award , can we have an unofficial Huni Award for players who do things like instalock Vladimir Support in my Solo Q ? <| sep |> Claims adjuster here , I don ' t see anything here that constitutes insurance fraud unless there ' s a specific statute in Oklahoma that says waiving a deductible is illegal , but your friend ' s repairman buddy certainly appears to be scamming him . Your friend ' s insurer has a contract with him that says that they will pay for damages from an accident . He had an accident and it sounds like they paid his damages . Whether he halfass fixes it or doesn ' t fix it at all is of no concern to the insurer . He ' s entitled to make whatever arrangements he wants with the shop . The insurerpolicy doesn ' t pay him less money if they know he ' s not fixing it . He gets paid the same amount . As long as the shopowner is not enhancing the claim in some illegitimate way to get more money there doesn ' t appear to be any fraud . He just agreed to do an incomplete repair to save money . His choice . The scenario he ' s in is a pretty typical way to get taken advantage of though . Unless you have a strong grasp of the economics of auto body repair it ' s easy for a repairer to tell you he ' s shaving $ 300 in stuff off your estimate to save you $ 300 on your deductible when he ' s actually shaving $ 1 , 000 off your estimate to save you $ 300 on your deductible , then pocketing the $ 700 difference . The repairer is scamming your friend , not the insurer . If I had a vehicle owner call me about this situation I ' d empathize with them but basically tell them that unless there were damages that were claimed by him or the shop that were not from the accident then I paid what I owed him under the terms of his policy and the problems he was having were between him and his shop . Supplemental claims would be put under a microscope of course , and the rental wouldn ' t get extended without good reason , but I don ' t see fraud against the insurer .