This insurance scam/extortion sounds similar to one where they take a photograph of a "victim" (aka overseas student) tied up in a basement somewhere and try to extort from the dear old parents, nicely tucked up in Islamabad or wherever, a ransom --

& Omg, that neighbor is still doing her wacky rounds...don't be enticed into her web...especially on a Tuesday, Susan

¯\_( ͡° ͜ʖ ͡°)_/¯