The 6 Most Poorly Thought Out Attempts at Insurance Fraud

After taking out a $110,000 life insurance policy on Clayton, thereby clearing the road of any undue suspicion, the first step was to procure a body that they could pretend was Clayton's. So, the couple visited a graveyard in the dark of night and dug up the corpse of a Ms. Charlotte Davis, an elderly woman who had been dead for over a year.

They then dressed the corpse in Clayton's clothing (which included, not surprisingly, a baseball cap with a fishhook attached), put the body behind the wheel of a Chevy and pushed the car over a cliff. When the impact failed to produce a spectacular explosion like they'd seen in action movies, they climbed down with some lighter fluid and set Ms. Davis on fire (by our count, at this point Ms. Davis had been killed at least three times).

Now it was time for the real Clayton to disappear. But instead of laying low for a few years in some backwater Alabama town, Clayton simply dyed his hair and grew a mustache, then returned home and started introducing himself to his neighbors and 4-year-old son as Molly's new boyfriend, "Jake."

Molly had apparently conducted considerable research into the plot, searching online into the specifics of how to burn a body and produce false documents, but she had neglected certain important aspects. First, police noticed that at the scene of the "accident" there were no skid marks or anything to suggest the car had lost control. Arson investigators discovered the hottest point of the fire was the driver's seat, and that it had been set with lighter fluid. Oh, and Molly's browser history recorded all of the sites she visited when researching How to Fake My Husband's Death.

Case closed, right? Well, a certain forensic investigator nearly botched the entire investigation. Medical examiner Vladimir Parungao at first identified the charred remains as belonging to Clayton Daniels, claiming in his report that he had discovered "a small segment of penis" and traces of urine (in the year-dead flaming corpse of an old lady). Parungao was taken to task by Burnett County officials for suspicions of laziness, doubting he had performed an examination at all. We're hoping that's what happened, considering the "segment of penis and traces of urine" thing. Otherwise Molly and Clayton went to some extraordinary lengths to create the perfect fake accident scene.

Joyce seemed to display a knack for living well beyond his means, and former coworkers reported that he was basically living out of his judge's quarters after a breakup with his girlfriend and on the verge of being kicked out of his residence for defaulting on his rent. When the judge found himself involved in the most minor of fender benders (at speeds reported to be no more than 3 to 5 mph), a light went off in his head. He claimed to have been completely disabled by the vehicle accident, citing brain trauma and constant back, neck and arm pain that left him unable to even hold on to a coffee cup. All of these conditions are well known to fraud investigators as being easy to fake but difficult to prove, because apparently no one requires X-rays anymore.

His hubris was such that he went on to act as though the two insurance companies he bilked for $440,000 wouldn't dare to question an important man like himself or feel the need to investigate his claims. He filed everything on judicial letterhead and referred to himself as a judge no less than 115 times in the letters, because to suggest that a judge would break the law for personal financial gain is unthinkable. Continuing his masterful game of cunning deception, Joyce used the proceeds to buy a motorcycle, an airplane, a hot tub and plastic surgery for a new girlfriend. Meanwhile, the "disabled" judge was videotaped inline skating, golfing and scuba diving, hopefully all at the same time.

The judge did have the sense to visit a doctor multiple times after the accident to complain about his difficult-to-dispute injury claims, yet went on to apply for and receive a pilot's license, even though he told the insurance companies he had suffered brain damage from the severity of his head contusions. His blatant indiscretion made easy work for the prosecution, and his inevitable fall from grace was swift.

Husband and wife Ronald and Mary Evano took the art of scamming restaurants to a stunning level, and it's hard not to admire their commitment. They would visit restaurants to enjoy a hearty meal, complain afterward that there was something in the food that made them sick and then proceed directly to the nearest emergency room to set the wheels of fraud in motion.

Insurance investigators had a hard time using medical records to disprove the Evanos' claims, because the Evanos ate pieces of goddamn glass during their dinner dates.

The Evanos perpetrated their intestine-grinding fraud for eight years across Massachusetts, Rhode Island, Maryland and the District of Columbia. They entered hospitals using assumed names and counterfeit identification at least 12 times either together or separately between 1997 and 2005, and they collected over $200,000 (with $100,000 in unpaid medical bills). This was about as frequently as the scam could be employed, as there was some necessary downtime required between each attempt, because as you may remember the Evanos were eating freaking glass:

" Evano was admitted to Suburban Hospital in Bethesda, Md., in October 1999 under the name Ronald Ross. He vomited blood while in the emergency room and later passed two large pieces of glass."

In another instance, "Evano claimed he swallowed glass in a frozen daiquiri at a hotel bar in Braintree, Mass. He was admitted to New England Medical Center with broken glass in his small intestine and colon." Some time later, "Both Evanos visited an emergency room with gastrointestinal bleeding in Milford, Conn. Each passed glass fragments, which were recovered."

Ronald was arrested in 2006, but Mary went on the run, gaining the attention of America's Most Wanted before she was finally captured in 2010.

Taris found his fortune in a puddle of coffee on the floor of a 7-Eleven in Pennsylvania and, being somewhat of an expert on pretending to get hurt, "slipped" in the liquid and feigned serious injuries to his back, neck and legs. He claimed that as a result of putting the coffee spill over, he was no longer able to "work, roughhouse with his son, stand for long periods of time or even mow the lawn." Basically, it reduced him to the average American man.

The problem was, after asserting himself to be a near-helpless invalid, Michael Taris continued to wrestle professionally. That's right; while claiming he couldn't even stand for long periods without pain, he continued to do flying elbows off the top rope in front of hundreds of fans.

Oh, and he also was moonlighting as a male escort and massage therapist. We don't know if "massage therapist" needs sarcasm quotes around it or not. All we know is this guy's everyday life should have been the subject of a reality show.

Obviously his income as a reverend didn't allow for this lifestyle, even with the food stamps. The real cash cow was insurance fraud. See, the parishioners of Bethel Missionary Baptist Church, following Gray's spiritual guidance, filed close to 200 bogus insurance claims with 45 different companies ranging from fictitious vehicle accidents to staged slip-and-fall incidents in various hotels and stores, with the help of a chiropractor who would prepare false injury reports. The reverend and his cohorts raked in about $500,000 before the FBI closed in, forcing a deal with the chiropractor and setting up surveillance in his office.

It was just a matter of time before the scheme broke down, as the lure of filthy lucre for some parishioners was so strong that they couldn't resist filing up to four injury claims in one day, one of which was literally attributed to slipping on a banana peel.

Insurance investigators had a lot of work in front of them on this case, but at least it was entertaining. One investigator quipped to a reporter, "Roland and Elijah have had so many X-rays that I wouldn't be surprised if they glowed in the dark." This not only makes them frauds, but also pretty awesome action figures.

When Gray was finally compelled to stand tall before the man to answer for his deceits, he remained indignantly unrepentant, insisting his actions were God's will: "I let the Lord lead me and this is the way he instructed me." When asked if he was serious, his response was, "No I didn't steal nothing. I paid premiums and they had a right to pay."

If only the law saw it that way, Reverend.

Mike Malloy was a homeless immigrant in New York City in the 1920 and '30s. He frequently stumbled into a certain bar where he eventually had the misfortune of running into four severely crazy people.

There was Anthony Marino (the tavern's owner), Bartender Joe Murphy, an undertaker named Frank Pasqua and his friend Dan Kriesberg. These four men would come together to hatch a plan centered entirely around Mike Malloy, or more specifically centered around his death.

The four, who would later be dubbed "The Murder Trust" by the media, easily tricked Malloy into signing three different life insurance policies they had taken out on him. The plan was to just wait for him to die, which seemed inevitable, as the middle-aged homeless sauce hound already had one foot wedged firmly in death's door frame. Hoping to speed up the process a little, Malloy was given an open tab at the bar, and he took advantage of the opportunity to attempt several records in alcohol consumption.

However, Malloy proved to be a bit more durable than expected, and in fact his health seemed to improve. The gang then added antifreeze to Malloy's free drinks, but after a week the old drunk showed no ill effects. So they tried adding turpentine to the mix, still with no results.

Deciding enough was enough, the four served him shots filled with horse liniment and rat poison and fed him a sandwich made with spoiled sardines, carpenter's tacks and metal shavings. Malloy eventually passed out. They dragged him outside in the New York winter cold, took off his clothes, tossed him into a snow bank and dumped water on him to ice him over. This would kill pretty much anyone.

Or so they thought, right up until Malloy stumbled back into the bar the next night, looking better than they had ever seen him before. Growing desperate, the Trust's next move was to hire a cab driver to run Malloy down. The deed was done and Malloy was left lying in the street as the conspirators ran from the scene, eagerly awaiting the morning newspaper's obituary section to take to the insurance companies. After a few days had passed with no official news or proof of Malloy's death, the impatience of the Murder Trust reached a new level and they abandoned whatever tenuous grip on sanity they once had. They found another random homeless drunk and ran him over, stuffing his pockets with identification papers that would lead the authorities to assume that he was Mike Malloy.

The man survived, however, and three weeks later, Mike Malloy himself wandered back into the bar, complaining about a headache and sore shoulder that he had no idea how he received, and asked for a drink.

Sadly, the Murder Trust would finally succeed in bringing down Iron Mike by resorting to straight-up hands-on homicide, shoving a gas line down his throat after he passed, leaving absolutely no room for doubt or plausible deniability. All participants involved were quickly implicated and sent to the electric chair at Sing Sing, which killed every single one of them on the first try.

For stupid criminals, check out The 7 Most Retarded Criminal Excuses of All Time and The 7 Most Baffling Criminal Defenses (That Sort of Worked).

And stop by LinkSTORM to see what happened when The Chief set fire to HQ with Dan still inside.

And don't forget to follow us on Facebook and Twitter to get sexy, sexy jokes sent straight to your news feed.

Do you have an idea in mind that would make a great article? Then sign up for our writers workshop! Do you possess expert skills in image creation and manipulation? Mediocre? Even rudimentary? Are you frightened by MS Paint and simply have a funny idea? You can create an infograpic and you could be on the front page of Cracked.com tomorrow!