I can't provide proof without potentially going to jail and/or pissing off a billion dollar company. The chances may be small, but the risks are really high.

But perhaps some fellow HNers have anecdotes of an insurance company how's denied every claim they've made.

Way too cautious, I think. Because the FBI is not going to ask HN for your IP address on behalf on an insurance company's complaint about somebody lying.

Providing proof surely would. But I will say this company is more concerned with shielding themselves than their clients.

GRIC?