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This thread is to discuss whether people feel that something is unethical, not to find out what the law*/T&C says.

Any Halachic questions should be posted here.

*According to CountValentine this includes religion, but unfortunately for him, the general consensus is that religion will always be entwined in this thread.

*Hint* If you have to ask, It's most likely not ethical.
« Last edited by UKinNYS on April 13, 2021, 11:51:23 AM »

Author Topic: Is It Ethical?  (Read 556562 times)

Offline AJK

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Re: Is It Ethical?
« Reply #1080 on: July 12, 2013, 03:17:04 PM »
Remind me of a story.

Guy from Brooklyn I know owned a Ferrari. Lives the summers in Deal. Registered car in NJ to save on insurance. Guy totals said $300,000 Ferrari. Guy makes claim on Insurance.

Insurance investigates. Insurance offers guy two options:

1) We'll pay you the $300,000 and report you for insurance fraud, risking a decade or so in Rikers; or
2) Eat the loss.

He ate it.
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Offline meshugener

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Re: Is It Ethical?
« Reply #1081 on: July 12, 2013, 03:23:13 PM »
Remind me of a story.

Guy from Brooklyn I know owned a Ferrari. Lives the summers in Deal. Registered car in NJ to save on insurance. Guy totals said $300,000 Ferrari. Guy makes claim on Insurance.

Insurance investigates. Insurance offers guy two options:

1) We'll pay you the $300,000 and report you for insurance fraud, risking a decade or so in Rikers; or
2) Eat the loss.

He ate it.
Stupid thing so many people do.
Here in NYC I know a handful of friends and relatives who register in upstate, just to save a few Benjamins over a year.
You're up to lose so much more on that day when you are about to take advantage for the years you paid insurance.
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Offline CountValentine

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Re: Is It Ethical?
« Reply #1082 on: July 12, 2013, 03:24:51 PM »
I would take option #1 since I had no intent to commit fraud. You could also counter they pay the 300k or be reported for blackmail.  :P
Only on DDF does 24/6 mean 24/5/half/half

Offline meshugener

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Re: Is It Ethical?
« Reply #1083 on: July 12, 2013, 03:32:53 PM »
I would take option #1 since I had no intent to commit fraud. You could also counter they pay the 300k or be reported for blackmail.  :P
Intent or not, it is fraud.
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Offline AJK

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Re: Is It Ethical?
« Reply #1084 on: July 12, 2013, 03:34:23 PM »
Well you do need intent, but intent can be implied.

Won't take rocket scientists on the jury to find that implied intent.
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Offline CountValentine

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Re: Is It Ethical?
« Reply #1085 on: July 12, 2013, 03:35:14 PM »
Intent or not, it is fraud.
Calling henche again. I thought they have to show intent, no?
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Offline easy48

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Re: Is It Ethical?
« Reply #1086 on: July 12, 2013, 03:35:17 PM »
Intent or not, it is fraud.

-1 you need to have intent to commit fraud. I agree with option 1.

Offline Dan

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Re: Is It Ethical?
« Reply #1087 on: July 12, 2013, 03:36:47 PM »
How is registering in a place that isn't your primary residence not intent to fraud?
Save your time, I don't answer PM. Post it in the forum and a dedicated DDF'er will get back to you as soon as possible.

Offline meshugener

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Re: Is It Ethical?
« Reply #1088 on: July 12, 2013, 03:40:26 PM »
-1 you need to have intent to commit fraud. I agree with option 1.
Calling henche again. I thought they have to show intent, no?
It is illegal to provide an address other than your primary residence address.
You don't need intention to get a cheaper rate from the insurance company for it to be illegal.

ETA: Dan beat me to it.
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Offline Achas Veachas

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Re: Is It Ethical?
« Reply #1089 on: July 12, 2013, 03:41:47 PM »
How is registering in a place that isn't your primary residence not intent to fraud?
"I was staying there at the time I got the policy, so I wanted to make sure the paperwork would arrive"

Offline meshugener

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Re: Is It Ethical?
« Reply #1090 on: July 12, 2013, 03:42:31 PM »
"I was staying there at the time I got the policy, so I wanted to make sure the paperwork would arrive"
Read my above post.
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Offline Achas Veachas

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Re: Is It Ethical?
« Reply #1091 on: July 12, 2013, 03:45:29 PM »
Read my above post.
I saw it after i typed my answer, decided to post anyways to answer Dan's question, you raised another issue.

Offline CountValentine

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Re: Is It Ethical?
« Reply #1092 on: July 12, 2013, 03:46:30 PM »
Well you do need intent, but intent can be implied.

Won't take rocket scientists on the jury to find that implied intent.
Forgot we had AJK.

I justed wanted  to save some money. Charge me the higher cost and and payout the 300k.
Only on DDF does 24/6 mean 24/5/half/half

Offline AJK

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Re: Is It Ethical?
« Reply #1093 on: July 12, 2013, 03:51:17 PM »
Forgot we had AJK.

I justed wanted  to save some money. Charge me the higher cost and and payout the 300k.

Ha. If only.
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Offline Ergel

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Re: Is It Ethical?
« Reply #1094 on: July 12, 2013, 03:52:17 PM »
Aren't you afraid of that coming up in an investigation in case of a serious incident Gd forbid?
I have no intent on submitting this. Just wanted to hear what everyone thought
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Offline AJK

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Re: Is It Ethical?
« Reply #1095 on: July 12, 2013, 03:54:17 PM »
-1 you need to have intent to commit fraud. I agree with option 1.

And then you'd hope they allow a lot of visitors in Rikers.
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Offline CountValentine

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Re: Is It Ethical?
« Reply #1096 on: July 12, 2013, 03:58:36 PM »
Only on DDF does 24/6 mean 24/5/half/half

Offline AJK

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Re: Is It Ethical?
« Reply #1097 on: July 12, 2013, 04:02:16 PM »
It has happened.

So that we don't miscommunicate, WHAT exactly has happened?
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Offline CountValentine

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Re: Is It Ethical?
« Reply #1098 on: July 12, 2013, 07:13:07 PM »
So that we don't miscommunicate, WHAT exactly has happened?
+1, putting down your summer home / second home and getting paid after they find out. You would think the agent/insurer has some obligation to find out where your primary residence is.
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Offline YankyDoodle

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Re: Is It Ethical?
« Reply #1099 on: July 13, 2013, 10:27:02 PM »
Hold on, papi, because that's a slippery slope.

In my defense I assumed he was referring to health insurance (in hindsight I'm not sure why) and while you may be right from a strictly ethical point of you I could see the likelihood of recurrence as being an important factor in the decision.