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Insurers find themselves dealing with phantom passengers in a two-car shunt when opportunists attempt to make personal injury claims for people who weren't even in the car.
A serial fraudster with expensive taste ends up behind bars after getting caught out by insurers, while a claim following a dramatic burglary arouses suspicions. An opportunist unwittingly alerts investigators that he's in cahoots with a cohort in a laptop scam, doubts are cast over a head injury when the photos supplied to back up the claim don't match up, and an insurance company comes down hard on one of its employees who used his inside knowledge of the business to line his pockets.