Payment Protection Insurance is different, although I agree there has become an industry for rogue agents to make bogus claims - on behalf of clients.
Large companies - mainly banks - illegally insisted that borrowers took out (and paid for) the protection, before a loan was granted.
Totally black and white; you either had it or you didn't - and the loan statement will usually evidence what happened.
False allegations about sexual abuse and even whiplash injuries are more serious and difficult matters.