The Commerce Fraud Bureau is a law enforcement agency comprised of fifteen licensed peace officers, two senior analysts, two case analysts, and one administrative analyst.
Insurance fraud occurs when people deceive an insurance company or agent to collect money to which they aren't entitled. Similarly, insurers and agents also can defraud consumers, or even each other.
A good-faith disagreement between an insurance company and a consumer about a claim is not insurance fraud. Neither is an insurance company's decision to decline your insurance application or to not renew your coverage. If this is not a fraud complaint, please use this form.
Hard Fraud: Someone deliberately fakes an accident, injury, theft, arson or other loss to collect money illegally from insurance companies. Crooks often act alone, but increasingly, organized crime rings stage large schemes to steal millions of dollars.
Soft Fraud: Normally honest people often tell "little white lies" to their insurance company for the purposes of filing or maximizing a claim. Many people think it's just harmless fudging. But soft fraud is a crime, and raises everyone's insurance costs.
Internal fraud occurs when the fraud is perpetrated against the insurance company or its policyholders by insurance agents, managers, executives or other insurance employees. Examples include:
External fraud schemes are orchestrated against insurance companies by individuals or entities such as policyholders, medical providers, beneficiaries, vendors, chiropractors and career criminals. Examples include:
