Given how easy it would be to data mine this out of the claim history I find this explanation hard to buy. There must be a whole set of specific claim types that show no correlation with future claims. If you can’t find these in your data you are not looking very hard.<p>Of course if no one else is looking why give up the easy money - after all it is not like the customer can buy a new policy without the massive markup. Collusion does not need to be explicit, it can be accomplished just through everyone using the same systems and rules.