Are there scams in claims, where driver, workshops and lawyers are involved?

It's hard to prove, but when a minor bumper scratch became a $3000 claim, and your insurance company chose to settle to avoid incurring more costs in fighting the case...even with photographic proofs of the damage!

...and you end up paying more in insurance premium, plus your NCD is cut to below 50% the following year...!

Anyone else got this kind of experience? I'm guessing many do...