Stupidest Insurance Scam Ever
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- Опубликовано: 14 июн 2024
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This is the greatest insurance scam attempt of All Time
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#1 rule of scamming. Never scam professional scammers (insurance companies)
True. Not worth it. Also this was in taiwan? I had a bit of frostbite driving on -35c on moped (I was 15y and drove 2.5km with headcover and helmet). Does taiwan ever have colder than 0c?
@SamiJuntunen1 He said at night and in areas with mountains which are around its possible, it was poorly thought out though because they can tell a chemical burn like dry ice vs frostbite very easily you don't even need a doctor a nurse can tell.
And make sure it's at least some months between taking out the policy and acting on it.
lmao facts
Unless you can get away with it 🙂↔️.. twice
freezing your own legs off for MAYBE some insurance money is genuine lobotomite behaviour
Charrlie inspires me, My parents said if I reach 10k, they'd buy me a professional camera for recording... Pls guys Im
literally begging you!.
yep
@@MbitaChizi wow, my first bot reply!
-Unless they hoped to get Reinforced Tendons with that money- /j
@@knosat6643 hmm
Dude was literally tied down so he couldn't back out...As stupid as this whole thing is, I feel like that should be considered. The other guy is a damn psychopath.
good point. i'm trying to think of a word that's more extreme than what he actually is, but i can't so i'll just say that's bdsm+necrophile behavior. not one or the other, specifically both.
I do not know the laws of their country but ik in the USA they'd probably consider a lot of different things, such as being tied down. Reminds me of how the slender man case went because 1 person planned it and the other did it but they were charged differently according to their part in the event.
Not to mention that the friend had lied that he was threatened by gangs, rather than just in normal debt. So the dude may have only gone along out of fear for the friend's life.
Yeah fr, it's kinda like with the Rotenburg Cannibal where the victim fully consented to being killed and eaten. One has to wonder whether it's possible someone is even fit to consent in situations like these..
My thoughts too, the dude who didnt do anything probably manipulated the other dude. BECAUSE THERE IS NO WAY that dude gave up his legs for a mil. They should study his brain if thats the case, if there even is something in there
Not only did you loose both your legs, but you were also charged with insurance fraud. This might genuinely be the BIGGEST L I’ve ever seen… they gained absolutely nothing from this and pretty much lost everything.
yeah
Now he knows that his friend is a true friend, and its priceless lol. Aint no way any of my friends can convince me to do stupid shit like this.
What a trade
@@norbertcsaszar4746when you have friends like that, at least you don’t need enemies
well he can now go on disability now, not a million dollars but he won't have to work
I feel like no amount of money is worth losing your ability to walk
@@K9R391KLMcNutt
@@K9R391KLwhat did furrys do to u
1 billion?
@@K9R391KLball gazer . Looking at the round profile pictures up and close.
@@Universalgreenieu have to shame zoophilia. ALLWAYS SHAME IT. shit aint right
Scams are so common, that people with legitimate injuries have to jump through ridiculous hoops and often times have to sue the insurance company to get what they are entitled to through insurance. Screw these people.
At the end of the day, if they're stealing from the innocents for no purposes and no gains but their own's, they scammed nobody but themselves.
@@ozenthelewdable5427 ?? If they stole from the innocent solely for their own gain, they didn’t scam anyone??
Even worse are people that will drain someone's bank account, and their response is, "The bank will just refund them anyways."
I hate when people act like money is infinite. It really isn't. You're just inspiring policy changes and making it harder for normal people to live.
Makes me feel bad when someone needs an item from a locked case and their only option is to wait 15+ minutes for maybe someone to show up and help.
I mean, you have to sue because the insurance companies just don't want to pay out.
@@ozenthelewdable5427 What are you trying to say?
Imagine getting convinced to split the money for your own legs. If im losing my legs, im not splitting shit
This would've worked better if they just sold the dude's legs instead.
yep
My farts are better than Charlie's farts.
@itz_me_beautiful_devil_21why is that crazy? anyone is better than those guys trying to scam insurance.
When the college debts hit 😅
honestly he shouldve sold one kidney or some of his liver and he wouldve been richer and fully functioning
The fact that all these people didn't even see a single penny from loosing their limbs, and even got charged felony as a bonus, man that's the funniest part of it.
@itz_me_beautiful_devil_21 Ok?
I kinda just feel horrified. Nobody deserves this kind of suffering, no matter how dumb.
@@CaptainSpaceCat17some do
@@masashikazeeit's a bot
and making it worse is that he just straight up lied because he knew that losing money to fucking crypto trading would make chang just laugh at that guy
Some of us are actual amputees and the thought of doing that on-purpose for some "payday" is bizarre. If you succeed, then you live the rest of your life without your limbs & looking over your shoulder, waiting to be caught because you know you broke the law. That kind of money isn't even enough to disappear into a better life & the odds of you getting that "payday" are slim. Insurance companies are notorious for not paying out like they're suppose to & they also investigate claims that they find suspicious with a fine-toothed comb. It took 3 months for a car insurance company to pay out my totaled car payment due to full-coverage. They investigated TWICE before finally releasing a $3000 check. What a weird scam to damage your good health permanently for a POSSIBLE payout. I have no pity for someone who DECIDES to become an amputee for money. That's disgusting & disturbing. Shameful.
A women ran a red light and took off the front of my car, totaled it of course, I had a police report putting her entirely at fault so my insurance company wasn't involved at all. After a week if radio silence and taking either my sister's car or the bus to and from work I had to threaten legal action against her stupid insurers just to get a damn rental to get back and forth to work while they investigated how much they maybe would pay out. They paid pretty quickly after that though
@@christopherjones8448 Car insurance companies never seem to care that you need a vehicle in the meantime! Even your own insurance when it's an accident not involving anyone else.
It wasn't even enough money to get robot legs smh. Like maybe if it was for a billion but one million isn't enough.
ain't no running from this one!
Insurance worker: Uhh should we give him the money, even though it was a scam?
Insurance boss: Don’t, he ain’t coming.
stupidest insurance scam ever? the world has yet to see what i’ve been cooking up
nice try
Let him cook now
Finally a normal comment
He is Cooking something beyond our Human brain
lol
Not only was this poorly thought out, it had to be horrifically painful to go through as well. Dry ice is so cold it literally BURNS and freezes at the same time. Just a small area of contact hurts like hell. I couldn't imagine letting the entirety of BOTH feet be exposed like that
One time in winter I accidentally sprayed butane all over my hand while trying to refill my blowtorch , that was probably the most painful coldness I’ve ever experienced.
That don’t even begin to compare what happened to this guy , bloody hell
@@HPsawus OUCH 😣
You mad annoying…
@@Delta97976suck on a glock weeb
@@Delta97976 what? How?
I can't get my insurance company to shell out what they promise when it's ACTUALLY legitimate how the hell would I expect to get anything out of them with a fake situation.
The first red flag should've been when your crypto bro friend says "hey bro I got an idea to make us money"
It’s so unbelievably idiotic of a plan that you would think it was from a movie💀
it was a cut scene from moonfall /j
A bad movie
you know what's crazy is that no one, and I mean no one understands how nerve pain works.. If you lose a part of your body that part will hurt forever until the day you d1e
Oh, the k dramas coming out of this will be epic!
Generic Chinese moment
The worst part is that he didn't do it to himself, but to his friend. As if the guy who didn't get amputated deserved to get a cut of the money.
@itz_me_beautiful_devil_21 what does that have to do with literally anything?
@@wazzledazzle9309it’s a bot. Don’t engage, just report
@@wazzledazzle9309 It’s a bot, it spams the same reply under every post
"OK, so I've got a plan. You put your legs in a bucket of dry ice, get both your legs amputated, then we claim on insurance 1.7mil and split it 50/50"
"Sounds good!"
he deserves more as he obviously smarter than the other guy, as it wasn't him losing the legs
3:35 “Mastermind” is a VERY generous nickname given to someone who could’ve hatched this scheme 💀💀
Not even two minutes in, but this story reminds me of another story about some worker who was slowly but deliberately poisoning himself with mercury (of which prolonged exposure can cause long-term/permanent issues) to make bank from a hazardous workplace lawsuit.
Like the fool in this video, he was caught, the company wasn't found liable, and now he has to deal with the consequences of long-term mercy poisoning.
Play stupid games, win stupid prizes.
Imagine being Chang hearing his friend be like, “Yeah man like I would totally be the one to lose my legs but like I can’t…”
As someone who works as an adjuster for a major insurance company it shocks me how stupid people think insurance companies are. I don't say this proudly but most big insurance company's fraud investigation teams are more effective than a lot of local police departments as far as catching people.
Charrlie inspires me, My parents said if I reach 10k, they'd buy me a professional camera for recording... Pls guys Im
literally begging you!.
that is because cops are supposed to prove guilt in order to make arrests. insurance companies see all claims as evidence of guilt
My farts are better than Charlie's farts.
You beggar farfromstrong @@MbitaChizi
do absolutely everything to avoid making any payouts right?
He 100% begged his "friend" to let him leave just a few hours into that torture.
Sacrificing your limbs in hopes of scamming the insurance company is beyond taking a gamble… that is straight up psychopathic behavior.
Person, I don't mean to be rude, but you've commented on this video THRICE. Like, at some point, the shock of this story has to wear off from you, right? And if you have so much to say about it, why not say it all in one go?
@@HalucygenoLMAO
Could’ve been more psychopathic. People kill their partners for insurance money
@@Halucygeno replies have a limit. The comment would be too long. The other would probably be lost slready
The absolute insanity to amputate limbs for the hope of a moderate amount of money.
My farts are better than Charlie's farts.
A million dollars in the third world is enough for your bloodline to thrive for decades.
same@@p-__
@@p-__ wow
you know what's crazy is that no one, and I mean no one understands how nerve pain works.. If you lose a part of your body that part will hurt forever until the day you d1e
I can't believe he chose to do it by putting his legs in dry ice for 10 hours. That had to have been insanely painful
That's why he was tied up
@@justahugenerd1278what is there a source for that
@@justahugenerd1278nvm I watched the vidoe
It would probably only be painful for a few minutes then you'd lose feeling in your limb. Just like how ice baths only feel "cold" for a bit then you get used to it.
@@keshmo12yeah totally didn’t hurt
The dude who lost his legs is definitely not the brightest bulb.
But his crypto "friend" needs to get at least 1.5x the amount of jail time with no parole
He's incredibly lucky the bucket was too short to surpass his knees, cause I know he wasn't considering the quality difference in walking with prosthetics below vs above the knee
That's some nat 20 persuasion vs nat 1 wisdom.
Persuasion checks are usually contested by Wisdom, not INT
As somebody who is currently on worker’s comp for an injury, you get NOTHING for an injury. So if you’re considering faking an injury or staging an injury, actually just don’t. The insurance company actively works to pay you less than you deserve, too. So you have to fight to get a livable salary.
TLDR: Don’t fake it or purposefully get injured for the money. It’ll always be less. Just get a better job.
yep
My farts are better than Charlie's farts.
the comment is very informative so thank you.
but wdym just get a better job😂
Sounds exactly like what an insurance company would tell us
Yeah I’m too injured to work, but not injured enough to get the needed surgery. It’s not a fun place to be.
The guy took pictures to use as blackmail in case his buddy didn't want to pay up. In fraud, just as in finance, you have to cover your bases.
That friend must have ungodly charisma
From the Reddit post, it doesn’t sound consensual. When the pain got unbearable, Chan tried to leave but Zhang tied him down with zip ties.
@itz_me_beautiful_devil_21what?
Its a bot , just report them 👍🏼@oznyx3935
@itz_me_beautiful_devil_21what?
@itz_me_beautiful_devil_21 Cool?
It's a bot guys
Launching a frostbite insurance scam?
Well, I guess they're taking 'cold hard cash' to a whole new level.
That's actually kinda funny
Ba dum..tsst
Lol
"Insurance companies HATE this one simple trick!"
I’ve got screwed up knees, and I’ve had very dark thoughts about getting my knees fixed one way or the other, but freezing them off has never been one of them.
It's shocking to hear about such extreme and ludicrous scams. It's a grim reminder of the lengths some people are willing to go for money, at the expense of their own wellbeing and legality. This definitely warrants more exploration, reflection and caution towards scams.
ChatGPT dorky ahh bot
@@west3783I have only heard ChatGPT use the phrase “grim reminder” unironically
As a Taiwanese, I have to say despite our health care are pretty good, but even though the dude got the money it won't even be enough to cover all the medical treatment. Also, to get a frostbite in Taiwan during Spring is almost as rare as getting a five star rating from Grodon Ramsay.
Didn't it say the $10,000 got seized?
Fact that he didn't even get the money out of it is so funny, lost both his legs for absolutely nothing because of their braindead scheme.
Charrlie inspires me, My parents said if I reach 10k, they'd buy me a professional camera for recording... Pls guys Im
literally begging you!.
There's so many furries in the early Moist gang XD I mean same but still
My farts are better than Charlie's farts.
furry
@itz_me_beautiful_devil_21 ate uou another stupid bot? Or just a no life?
The fact that a Florida Man still somehow ties into this is hilarious. Florida really can't catch a break lol
Florida man didn't even have to get paid, he was just happy to lob some legs off.
No matter how many times I hear this, it’s just insane how someone would be willing to undergo that amount of pain and lose something pretty much irreplaceable just for some money.
Something I like to say is that "If you go into working with people, you'll be surprised by new levels of stupid every year" which has never failed me yet
I wonder what the friend told him to convince him to do this, must've been an Erwin final battle level speech.
LMFAO dude I fucking swear
“trust me bro”
Insurance company: He tried to take us off at the knees.
Scammer: I did. I’m really good at it, too.
@itz_me_beautiful_devil_21Get well soon
I liked it, I was good at it
Even a few seconds of contact with dry ice on bare skin is enough to cause serious injury. 10+ hours was total overkill, and definitely torture. Honestly the whole thing reads a bit like coercion/manipulation rather than one man willfully putting himself through something he has to be zip tied into place for so he didn’t bail and losing both of his legs for the sake of .. another man’s debt? Especially suspicious that his friend photographed it when it happened. I am speculating I know, but it seems like the more likely option in my mind-
An insurance fraud scheme mixed with cryptocurrency losses is just such a match made in heaven somehow lmao. I feel bad that the guy had to lose his feet but I guess both of these guys should've slept on this stupid scheme before actually doing it.
yep
I can’t help feel bad for the guy.
I am currently studying insurance pre licensing, and there are a lot of regulations and laws put into place when you sign with a policy, most of which, protect the customer and some that protect the insurer. Any big claim is looked into by a whole underwriting department, in instances of death the company has a right to know information about an autopsy and if they are alive and get dismembered or an accident happens they have a right to know what happened and conduct their own investigation on the matter if i remember correctly. Example if you take out a life insurance policy for 1 million dollars and you try to commit suicide, your claim will be denied within the first two years of the activation of your policy. There are multiple clauses in the contracts that will attempt to minimize the scamming of the insured and the insurer so in short yes, it is really damn hard to scam insurance companies.
As a Taiwanese, I’m so glad my country’s finally getting some exposure on Charlie’s channel. But at the same time I feel so ashamed to be from the same country as that idiot who lost both legs for a insurance scam.
This was on Taiwanese news last week and when my friends and I saw it we just couldn’t believe it at first. How could anyone be so incredibly stupid 😅
Note that Taiwan isn’t too far from the equator and we don’t get any snow at sea level. Going to see snow on the mountain is actually considered somewhat of a popular activity for family, friends and couples because it’s rare.
There’s absolutely no way you could get frostbite that bad simply by riding a motorcycle at night. It’s literally a minuscule brain scheme.
Don't worry, individuals don't represent an entire nation!
I'm going to go out on a limb here and say these idiots won't be trying that again.
Chang went out on two limbs 💀
They won't, they don't have enough limbs to do it.
He won't get far on foot.
I see what ya did there... 😆
man this should be a case study in the human mindset towards greed. There truly is no limit.
That's about it, cya
Spongbob: Am I the biggest loser on the beach?!
Chang: No, I am. I gave my legs frostbite to the point of amputation to scam the insurance company. Then I got caught.
He doesn't deserve to be at the beach
When big Lao came round just to put him, Chang turned into a clown
"Loa has incurred financial loss from crypto trading" absolutely sum up the whole story
No amount of money is worth losing a limb. Then you can’t live normally
And 1.7mil is not worth it for both legs
That article is literally the gift that keeps on giving...
Kinda sad when you look at the greater picture here. These people are struggling for money, they value the money of their limbs
I'd say that circular saw woman was singlehandedly the dumbest plan I've heard, but that dry ice plan doesn't have a leg to stand on
This comment may or may not be underrated
I see what you did here
Jumping from crypto scam to straight up insurance fraud insane
7:31 TIL cutting of your own feet for an insurance scam is not illegal as long as you don't actually follow through with submitting paperwork. If you just cut off your own feet, you're golden.
I would like to point out that he claimed he got frostbite severe enough to where he required amputation, from riding a scooter at night... *in Taiwan.*
Quite literally the only places in Taiwan that break freezing at all are the mountains, and even then the very top of the highest mountain in Taiwan (Yu Shan) only *just barely* breaks freezing during the Winter months. So unless he rode his scooter at the top of a literal mountain in the middle of the night, the claim makes legitimately *zero* sense. And they live there! How on Earth did they think this would work??
Muchas gracias Carlos Blanco
shut it bot
That friend must have had 100 charisma and 0 intelligence
Well he certainly cant stand up for his case in court
I respect the effort of at least trying to scam an insurance company, rather than innocent individuals
The cost for insurers to deal with and pay out fraudsters is baked into innocent individual's insurance rates. The money always comes from somewhere. It's just like how shoplifters raise the price for all goods in the grocery store.
Idiots like them are the reason why people with actual injuries have such a difficult time claiming insurance
The compensation for pain and suffering only makes you whole again. It’s never really worth the pain suffered. It just tries to return what was taken from you
its rare for me to feel sorry for someone for being that stupid, like how does he not eat silverware?
Must have been gruesome hours being bound to a chair with your feet in dry ice
Not even a "That's about it. See ya."?? What is the world coming to?
4:58 love how dude's name randomly goes from Chang to Zhang in the article
depending on who, or where people make the articles, the same character for his last name gets romanized differently
The fact that he lost both his legs for absolutely nothing because of scam is crazy.
My farts are better than Charlie's farts.
He can't stand up for himself the next scam.
yep
Lmmfao!
My farts are better than Charlie's farts.
"GOD DAMMIT, BARB!"
Worst part is he didnt do it for himself, he did it because of a friend ask him to.
Peer presure is one hella drug.
I just looked it up. I order to get frostbite in 30 minutes, it would have to be 0 degrees fahrenheit. So in order for his scooter plan to be believable it would have to be extremely cold out. And thats just one issue.
I’m not even surprised anymore that there are people out there willing to lose a limb just for money.
"1.7 million isn't worth it, you should go for at least 8 figures" Are you crazy???????? I wouldn't give up a single leg for a billion dollars, nothing is worth losing a limb.
i would not mind a fake leg and 999 million extra
It's better than losing them and still not getting shit like in war or accidents
Use part of the billion to pay for the coolest cyborg leg 😮
Fuck yeahhhhh @@Definitelydusky
I would lose a leg for 10 mil
When i hear stories like this.. I just feel sad... The sheer stupidity is mind blowing.
Dude had to be having his dog held at gunpoint to agree to not just lose his legs but also have them sitting inside a bucket of ice water.
"calculator has a virus" 😂
yep
This is the definition of "Play stupid games, win stupid prizes."
I just love good news. This is one of them.
*This man has no boundaries, no limits, he doesn’t flinch at frostbite*
_cinematic cut to them hitting the griddy_
yep
My farts are better than Charlie's farts.
you got raided by bots 2 minutes after you commented 😭
@itz_me_beautiful_devil_21 ok but can you beat goku
Hitting the griddy on his stumps for legs
Was NOT expecting to see Daniel Thrasher in a BetterHelp ad at the bottom right at 8:30 lol
Man .. that is tragic.
I work at really big eu insurance company (as a software developer tho) but we have whole department of fraud investigators, so no pulling off insurance scam isn’t easy at all nowadays.
Muchas gracias Carlos Blanco!
Charrlie inspires me, My parents said if I reach 10k, they'd buy me a professional camera for recording... Pls guys Im
literally begging you!.😊
@@MbitaChizi gay bot
yep
Why translate his name too
@@UninterestingPerson i was so confused because the name really works in spanish and i didnt realize it means charles white at first
trying to scam an insurance company is like trying to beat poseidon at a swimming contest
In the 70's my grandpa built a roll cage that he could put in and out of cars and a ramp. He would then crash trust fund kids from his colleges luxury cars in the middle of the night. They would get the newest model of the vehicle and he would get a percentage of the insurance pay out. Apparently since there weren't any cameras back then he made about 6 figures and never got caught.
7:05 The paraplegic guy was from Missouri, but the maniac with the hatchet was a Florida man!!!
This looks like an extreme case of "One step forward and two steps back."
Unfortunately, he was unable to take two steps back
Well, I guess he thought getting cold feet was worth the payoff!
This is so sad actually
imagine there is an actual Nigerian prince needed to transfer money tho
yep
Nigeria doesn't even have a king. How would there be a prince?
I wasnt expecting this to turn wholesome with the last guy just trying to raise money for new prosthetic.
Going out on a limb
Both limbs to be specific.. LMAO
No "thats it see ya"? Im incredibly sad
I will NEVER understand the stupidity of these people trying to scam insurance like in this case or when they murder their partners. They always take out the policies just days before. They can’t even wait and they don’t ever think it will look suspicious
No, insurances prices are HIGH in Louisiana because of rampant fraud. I pay $2000 for six months. I got break checked by a middle aged woman at 5 mph and she walked out and said no big deal to the slight bump, then my insurance called me and said she’s suing them for injuries. It’s literally the advice here, to fake injuries if you get hit for money.
That really sucks. I've been rear-ended a few times the legit way, and I've never needed to charge insurance for medical expenses as a result. Just body work on my car
And the woman isn't going to be seeing more than a couple thousand but is going to make some doctors and a law firm a good chunk of change.
I was amused at this case then lost my amusement when the next guy is in my state being reminded there are idiots so close to you at nearly every hour of the day.
That two people discussed this and agreed it was genius is unbelievable.
This man couldn't stand his own scam backfiring on him.
The words “RuneScape Scam” activated my fight or flight response
5:50 As someone from Missouri, sounds like something we would do