I did assume he would make a claim as that’s normally what happens. It also says he has drove through water in the past which means he also should be uninsurable or very high risk at this point unless he has lied before which would most likely be the case.

I see this kind of behavior all the time as I work in the insurance industry. So you can call it a “gut feeling” or “assumption” whatever you prefer.

I’m 98% sure this joker has committed fraud