Please choose the correct ending to complete the given sentence: Finance and Business: [header] How to report insurance fraud [title] Learn the importance of reporting insurance fraud. [step] Every uncaught instance of insurance fraud translates into higher premiums down the road for consumers. Even when you are not directly the victim of the fraudulent activity, it can still mean more money out of your pocket in higher premiums when you go to renew your policy.

Ending1: [substeps] Be absolutely sure you have notified any insurance agents you previously visited. This way, investigators from the department of health and human services can confirm that you were not unduly negligent in letting your deductible extend beyond the limit on your card utilization. Ending2: [substeps] Having insurance doesn't translate into income, and you likely won't be covered by your payments at all if you don't have insurance. Like anything, fraud is always a risk. Ending3: There are many forms of insurance fraud that can be handled differently. The amount of money you can use to pay off debt alone, as well as the frequency and severity of the fraud, can dramatically change your situation. Ending4: Each time that insurance companies and proper authorities can stop fraudulent activity, it can save you money in the long run. This means that each and every consumer has a vested interest in reporting insurance fraud.

Answer format: ending1/ending2/ending3/ending4