What does the term "insurance fraud" refer to?

The term "insurance fraud" specifically refers to the deception of an insurance company for financial gain. This can manifest in various ways, such as providing false information when filing a claim, staging accidents, or inflating claims to collect more money than what is justifiably owed. Fraud undermines the integrity of the insurance system, leading to increased costs for insurers and policyholders alike.

The context of the other options clarifies why they do not fit the definition of insurance fraud. Managing claims responsibly does not involve deception; it is about ensuring that each claim is evaluated fairly and accurately. Filing multiple legitimate claims refers to the proper use of insurance coverage and frequently does not constitute fraud unless those claims are themselves based on deceitful practices. Honest mistakes in filing claims, while potentially problematic, do not reflect intentional fraud; such errors are usually unintentional and can often be corrected without any legal implications. Thus, the correct understanding of insurance fraud revolves around intentional deception rather than the honest or responsible handling of insurance claims.