I agree she is not doing the right thing. For the last time, her keeping money owed to customers might be criminal, and potentially fraud. It is NOT, in any shape, way or form Insurance fraud. It has absolutely NOTHING to do with Insurance, despite whatever she said or says. It is between her and her customers. You restating incorrect things does not make it any more true. If there is no insurance claim paid, it also has absolutely nothing to do with any insurance premium I will move on.