The main reason these fraudsters do 3 people in the car is it allows them to up the payout, bodily injury claims are per-incident/per-person, which means more people is a larger payout that they then share with each other. Stuff like this is why I have dashcams in all directions on my car and conceal carry (if you catch them in the act, these fraudsters are known to get violent against the innocent driver).
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The main reason these fraudsters do 3 people in the car is it allows them to up the payout, bodily injury claims are per-incident/per-person, which means more people is a larger payout that they then share with each other. Stuff like this is why I have dashcams in all directions on my car and conceal carry (if you catch them in the act, these fraudsters are known to get violent against the innocent driver).