Money is a good driver, but hard to posture without leaving some loophole or perverse incentive.

He handles all 50 states and knows laws and loopholes very well.

That’s the loophole I found with my PM.

I am pretty risk adverse and choose to comply and not seek loopholes. 

Not likelyJust a PS the laws are not outdated they are not clearly defined leaving loop holes .. which is what the states are cleaning up.. its not getting easier its getting harder.. 

Its maybe not exactly what you're looking for but perhaps Loopholes of the Rich might be helpful.

Is there a loophole for this?

No system is perfect, but I believe our current laws are inferior.Here you are tit for tatting individual instances of how legalization would have loopholes and scofflaws.

Steven this strategy was put into use about 4 years ago.I haven't seen this in awhile.When the government has loopholes and other known problems they sew them up quickly.Years ago it was seen as a grey area.Today they are definitely tagging it as fraud.I never did any type of these transactions but did hear they were occurring.I would stay clear of these types of strategies in today's environment.

GL will try and find any loophole they can to not actually pay out on a claim (e.g. owner's negligence); leaving you holding the bag.