I retired from the Insurance Business. We sold Auto, Home, and Life Ins. Never had a person "lie" about their driving record so as to get Auto Ins. :B About 90% of the people shopping for Auto Ins. do not qualify. They are running from a "cancellation" or a "at fault accident" they forgot about. Funny how the client you spent day's on trying to convince them they need Life Ins., forgot to tell you their "Blood pressure" is through the roof or they are a "diabetic". Just does not matter to them. Every time a "tornado" warning was posted, we were covered up with people wanting to Insure property they have owned for yrs. There are many more "crooked" people out there than "crooked" salespeople. Thank goodness that era of my life is over.