Just goes to show that if there's insurance, there's insurance fraud. This doesn't directly apply, but the parallels are there. Back when I ran the office of a body shop, I had a customer who brought in a car with only hood damage. It's typical to paint adjacent panels to blend the new paint to old paint as some color codes are difficult to match. In this case we had the replacement ahead of time, so we prepainted it. When the car did come in, we replaced the hood and looked at the color match. It matched better than the original. There was no need to blend the fenders so I called the adjuster to remove the items from the bill.
When my manager found out he acquired a new onset of Tourette's. His justification nearly to the letter was, "The overcharge on stuff like this makes up for the times they refuse to pay for other charges." Apparently the relationship is based on the theory "Screw unto others before they screw unto you." My employment was short lived after that.
Since then I'm amused by "Business Ethics" classes as they seem to have little to do with each other.