WHO IS FOOLING WHO? Inside Uganda Railways’ fraud tainted USD3 million insurance claim and the insurance industry’s judicial quest for regulator’s neutrality Three of some of Uganda’s leading insurance companies are at crossroads. On one part, they are fighting off what they say is a fraudulent claim of USD3,000,000 (UGX10.7 billion) by Uganda Railways Corporation (URC) but doing so has put them in the crosshairs of the Insurance Regulatory Authority (IRA), the industry regulator.