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Comment by RobotToaster

2 hours ago

> it's the lack of prosecution.

The UK allows private prosecution, if it was a real problem the insurance companies would be using it, instead of attempting to make the state pay for it.

You still need to be able to realise something is fraudulent and pursuing prosecution has a significant cost to the insurer that is likely to be a net-loss financially. Not to mention the reputational risk of the public believing you prosecuted someone wrongly.