[Dewey]

It seems like there's a very hazy line of what they can & cannot get away with these days.

We all know that ethically & from a professional standpoint, it's way wrong! It causes unnecessary extra fees to our insurance companies, which in turn causes us to pay more for coverage. It's a very vicious cycle, but one that's been going on for quite some time!

That said, I think you should report the guy. If nothing else (i.e. if it's legal), at least you tried and his name is "out there," so to speak (so that others won't encounter the same problems).