Insurance-like Fraud Without Insurance?

@ zoo , 1 of emloyees knocks cell phone hand. phone scratched still works fine.

next day, call zoo manager agrees pay costs replace cell phone if broken (but not if scratched).

crime tell phone more damaged because want phone replaced?

or permissible because there no insurance policy involved?

say @ zoo , 1 of emloyees knocks cell phone hand. phone scratched still works fine. next day, call zoo manager agrees pay costs replace cell phone if broken (but not if scratched). crime tell the...

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