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The term that refers to the intentional deception to gain an unjust advantage from an insurance company is known as fraud. In the context of insurance, fraud involves actions taken by an individual with the purpose of misleading the insurer to obtain benefits, coverage, or financial compensation that they are not entitled to. This can include falsifying information on insurance applications, staging accidents, or inflating claims.

Fraud undermines the integrity of the insurance system, as it can lead to higher premiums for all policyholders due to the increased costs borne by the insurer in addressing false claims. While misrepresentation involves providing false statements or misleading information, it does not inherently carry the same intent or severity as fraud. Negligence, on the other hand, refers to failure to exercise reasonable care, and inaccuracy denotes a lack of precision or correctness in information but is not associated with intent to deceive. Thus, in the context of gaining an unjust advantage from an insurance company, fraud is the correct term.