Which of the following is NOT considered to be insurance fraud?

Collecting a charge for insurance that is less than the applicable charge is not considered to be insurance fraud because it does not involve deceit or misrepresentation for personal gain. Insurance fraud typically involves intentional schemes to deceive the insurance company, such as submitting false claims, misrepresenting policy details, or overbilling for services rendered. In contrast, undercharging for insurance is not an attempt to defraud the insurer; rather, it could relate to an honest mistake or an error in pricing. Therefore, this action does not fall under the definitions or patterns associated with fraudulent activities.