Honestly, I think insurance investigators and claims adjusters have far bigger claims to worry about than a $400 Apple Watch claim. Good grief.
"Good grief"?
OK, then - here's a suggestion for everyone who thinks insurance fraud is OK.
YOU all pay some money into a pot. Anyone who has an incident with their watch (for which they hadn't previously bought insurance) can take money out of that pot whenever they need to, in order to pay for their uninsured replacements and repairs. Whenever that pot of money runs low, you all keep topping it back up again out of your own pockets.
There will be no oversight or governance over those taking money out of the pot, because everyone has bigger things to worry about. So anyone who feels like dipping in should just go right ahead and keep on taking. And you all keep on paying.
All honest AppleCare+ customers (the ones who don't commit fraud) can then pay a fair price now and in the future, instead of subsidising people who think it's OK to defraud them. Because there's one thing you can be sure of - it's always
customers who end up paying for abuse of the system.