But the point being, I really don't have evidence one way or the other. Implying insurance fraud is saying you think a criminal act occurred, and when you say something like that the burden should be on you to provide some evidence to that effect.
Random internet commenters bullshit all the time. But this blog post provides specific data and an unambiguous conclusion that fraud occurred (the title does not hedge, it is "We Found Insurance Fraud in Our Crash Data"), so if you do something like that you need to provide evidence for it. I appreciate the parent commenter for pointing out that, despite all of their data, they didn't really provide much evidence for their conclusion.