Final answer:
The actual fine for insurance fraud may vary based on laws and other factors like intent, severity, and past offenses, and is not necessarily limited to the amounts paid out by the insurer as options provided in the question.
Step-by-step explanation:
If an insurer pays an insured $25,000 in lost wages, $45,000 for physician visits and hospital cost, and $15,000 for physical therapy treatments and later finds out that the claim was fraudulent.
The insured may face various consequences including fines and possible criminal charges depending on the jurisdiction and the severity of the fraud committed.
The details provided in the question, including the amounts paid by the insurer, are essential to understanding the potential consequences.
However, the options given do not directly provide a specific answer to the question regarding the amount of the fine since this can vary greatly based on laws and regulations, which may include a variety of penalties and not solely fines based on the sums involved in the fraud.
In scenarios of insurance fraud, the fines and other penalties are often determined by laws which take into account not only the amounts involved but also other factors such as intent, the number of offenses, and the specific acts performed as part of the fraud.