offer some fraud-fighting tips and underline why it is in your best interest to fight fraud is elijah mercer with the new york alliance against insurance fraud. nice to meet you, elijah. thanks so much for being here. >> thank you. >> insurance fraud -- it's one of those crimes that i think a lot of people think, "well, that has nothing to do with me," but that's not quite true, is it? >> that is not quite true. insurance fraud, as you said before, costs $80 billion a year. it makes everyone's insurance premiums go up, especially in new york. new yorkers pay some of the the nation. and so when people don't take it seriously, it goes underreported or it's not really as worried about as it should be. so, it's a very, very, very important crime that we should all be worried about because of our premiums and how it affects us personally. >> okay. yeah. i mean, it does have an impact on the economy. what are some of the most common forms of insurance fraud? >> sure. some of the most common forms of insurance fraud we see are things such as auto fraud. one type of auto fraud is something called a