According to a new study released by the Insurance Research Council (IRC), respondents residing in New York State were more likely than respondents nationwide to agree that it is acceptable to increase an insurance claim by a small amount to make up for insurance premiums paid when no claims were made (25 percent among respondents in New York versus 20 percent among respondents countrywide). They were also slightly more likely to say it is acceptable to increase a claim for the deductible that would have otherwise been paid (32 percent versus 29 percent).