With the economy still tight in most places, especially markets like Michigan with it’s high priced PIP coverage, more instances are arising in which innocent victims are purchasing policies that are either outright frauds or are written by offshore entities that have no intent to honor any claims. As insurance investigators, we are seeing these scenarios more frequently. In the Michigan Auto PIP coverage arena, these false policies are resulting in more uninsured motorist claims since the alleged coverage does not actually exist. This frequently comes to light when the insurance investigator undertakes an order of priority claim investigation and begins interviews. Unfortunately, for the victim, there is often no recourse and they end up losing their premium payments and end up incurring substantial debt for being uninsured.