If you discard any insured gear during a raid, it will come back to you with a 100% return rate.
Disclaimer: You install this mod at your own risk.
This mod generously simulates insurance fraud in live EFT by ensuring that all discarded insured gear will return back to you with 100% return rates (imagine you hid it in a bush or something).
By default, SPT insurance works through percentage rates that are set to 75% and 85% if you insure through Prapor or Therapist respectively. This rate will still apply for all insured gear that is equipped if you die in a raid, but any other insured gear that was dropped or moved to a container outside the inventory will be affected by this mod.
The original mod: Insurance Fraud
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Latest Version VirusTotal Result
https://www.virustotal.com/gui/url/97b8c8382bf5e049b6beb9c3e21d45546485e11bd7f7b24b32ccdf947df12c55