Back in March 2009, a customer of PEMCO insurance was in a minor car accident, and the company paid out $3,452 for damages to the other driver’s car. Simple enough. No injuries were reported, and no pets in the car. Which is why it caught some PEMCO employees’ attention when the other driver filed a claim two and a half years later, seeking $20,000 for the death of his cat, Tom. The animal was “like a son” to him, he claimed. But “Tom” only existed as photos of someone else’s cats, readily available on the Internet. The state of Washington has charged the man with felony insurance fraud.