How do Critics typically justify insurance fraud?

Critics typically justify insurance fraud by citing the insurance industry's poor practices. This approach acknowledges that certain practices within the insurance industry can create an environment that encourages fraudulent behavior. For instance, when insurance companies implement stringent claims processes or deny legitimate claims, some individuals might feel compelled to resort to fraudulent means to recover what they perceive to be their rightful compensation.

Furthermore, systemic issues such as overly complicated policies, lack of transparency, and high premiums may also contribute to a sense of injustice. When individuals feel that they are not treated fairly or that the industry operates in an exploitative manner, it can lead to a culture where insurance fraud is viewed as a form of retribution or a justified response to systemic failure.