Missed the "how often" part. Let's just say that I've been doing this for almost two years, doing at least 1 insurance file per week (sometimes more but I don't know exactly), and I've seen roughly 1 or 2 claims that seemed legitimate. Everyone else is full of shit and looking for easy money. Most of the time, their lawyers will tell them to go for higher damages and exaggerate their injuries, since if their client doesn't get caught they stand to make a lot of money. Personal Injury lawyers are just like that, as a general rule. They face no real penalty for it either. The plaintiff could theoretically end up on the hook for legal fees even after having their case dismissed as fraudulent. Either way the lawyer wins.