Insurance fraud costs Americans billions each year—but a fake bear attack on luxury cars led to rare felony convictions in California.

New tactics—from AI-altered damage photos to coordinated repair scams—are making fraud harder to detect and more costly for everyday drivers and homeowners. Traditional fraud—like staged collisions—still exists, but new tactics are rapidly emerging.

Gov. Kathy Hochul is pushing a series of proposed reforms aimed at lowering New York’s high auto insurance costs, arguing that fraud, legal loopholes, and excessive payouts are driving up premiums for drivers.

Former Eagles Super Bowl champion Alshon Jeffery was arrested earlier this week for insurance fraud, according to TMZ.