America's Favorite insurance scam

I predict that later the insurance agencies will pay for this show, however not advertise this fact. It would be of interest to them to find out claimants who are on this show. Should they be able to get the names and addresses of persons in the videos? Moreover, some videos win as viewer favorites. Entrants who win money, should they be penalized for insurance claims?

One. If a claimant did not fraudulently fill out any paperwork prior to the incident, should the person be considered in violation of any law?

Two. Having filed the paperwork correctly, not directly violating the terms, but causing self-inflicted injuries through recklessness and stupidity, is the the claimant entitled to the full insured value?

Three. Should the claimant be able to justly win the moneyas a contestant despite the relatively dubious account of the injuries (losses to persons or property)?

Legally, the person claiming that s/he can't fully work as previously, shouldn't benefit financially twice. As a counterpoint, there shouldn't be a Big Brother accessing everything. In the US where wire-tapping is legal to prevent terrorism. Changing limitations opens things up to new difficulties, including insurance companies having even greater power than they have now. I certainly don't want that!

Insurance companies were able to avoid paying out to family and businesses in NY, NY on Sept. 11 and during natural disasters. The government protects them, and not just this administration --- decades of protection, where money goes government is fed.

^---- Wow; no segway led up to that, eh?