153 fraud cases went to prosecutors last year.

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Welcome to the Insurance Fraud Bureau

Established by the insurance industry and authorized by state statute in 1990, we are dedicated to investigating and combating insurance fraud across all lines.

Our mission is to safeguard the integrity of the insurance system, ensuring fairness for all consumers and businesses. Through collaboration with law enforcement and regulatory agencies, we take a strong stand against fraudulent activities and seek to protect the public from the harmful effects of fraud.

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What is Insurance Fraud?

Insurance fraud occurs when someone intentionally provides false information to an insurance company to obtain a benefit they would not have been entitled to if the truth had been disclosed. This deceitful act can take many forms, including exaggerating claims, misrepresenting the facts of an incident, or intentionally causing damage or loss to make a fraudulent claim. Whether it’s falsifying a car accident, overstating medical costs, or inflating property damage, insurance fraud undermines the integrity of the insurance system and impacts everyone by increasing costs for honest policyholders. It's important to understand that both individuals and businesses can be held accountable for committing insurance fraud, and the consequences can be severe, including criminal prosecution and financial penalties.

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  • The most frequent types of automobile insurance fraud include:

    • Staged auto accidents with faked reports of injuries

    • Jump-in passengers who are added to the claim and/or accident report but were not in the vehicle at the time of the accident

    • Exaggerated injury claims with prolonged treatment

    • False reports of auto theft

    • Vehicle damage enhanced after the accident

    • Vehicle damage claims for pre-existing damage

    • The vehicle is garaged in another town than listed on the policy

    • Reports of falsified claims that occurred before the policy period began

    • False report of a hit-while-parked accident

  • Claimant Insurance Fraud
    The most frequent types of workers' compensation claimant insurance fraud include:

    • Staged accident at work with a falsified report of injuries

    • Working while collecting workers' compensation benefits

    • Exaggerated injury claims with prolonged treatment

    • Report of a pre-existing or non-work-related injury

    Premium Evasion Insurance Fraud


    The most frequent types of workers' compensation premium evasion fraud include:

    • The company misclassifies employees on payroll (such as classifying roofers as office workers)

    • The company understates its payroll to reduce workers' compensation premium payments

    • The company claims employees are independent contractors

    • The company fails to carry workers' compensation insurance

    • The company re-incorporates to avoid accurate modification classification

    • The company pays for medicals directly to hide a potential claim


  • The most frequent types of property fraud include:

    • False report of theft of property in a home or vehicle

    • Exaggerating the value of stolen items or submitting falsified receipts for items reported

    • Intentionally damaging property

    • Inflating the estimate or bill to cover the policy deductible

    • Concealing that the residence is used as a rental


  • The most frequent types of provider fraud include:

    • Medical provider (such as medical doctor, chiropractor or physical therapist) bills for services or procedures not rendered

    • Medical provider performs unnecessary services or charges for more expensive services than actually provided

    • Employing a "runner" to bring in motor vehicle accident victims for treatment

    • A employee of a licensed medical provider performs services and charges under medical provider's name and license (false credentials)

    • Money laundering/tax evasion schemes

    • Recruitment and training of "runners" by legal service providers

    • Opioid/prescription fraud


  • The most frequent types of insider fraud include:

    • Agents issuing authorized or unauthorized coverages with premium billed and retained by agent

    • Insurance company personnel creating fictitious claims in order to issue checks to themselves or others in complicity with them

    • Kickbacks with body and glass shops

Man on the phone with a worried expression, standing by a broken-down car in a green outdoor setting, with a woman in the background near the car, and a text overlay discussing insurance fraud.
Man inspecting damage on a car with a flashlight in a garage, with text discussing insurance fraud and higher premiums.
A wooden desk with a pair of glasses, a white mug, and a medical benefits claim form on it. The background features a beige section with bold text warning about filing false medical claims and the risks involved.
An advertisement with a cracked television screen on the right and text on the left that says, 'Claiming your TV was damaged in a storm when it wasn't—how much is fraud worth to you? Insurance fraud is never the answer.'
A person wearing a black hoodie and black pants stealing a silver car and stroller, while attempting to unlock the car door.
A man in a wheelchair talking to a woman with a laptop in an office setting, with a text overlay discussing faking injury at work to collect benefits and the risks involved.

Protect Yourself: Recognize, Report, Learn

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    Spot the Fraud

    Learn how to identify the signs of insurance fraud to protect yourself and others.

    Identify Fraud
  • A black and white silhouette of a dog standing on all fours, facing to the right.

    Report the Fraud

    Take action by reporting fraudulent activity and help ensure accountability within the insurance industry.

    Submit a Tip
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    Learn & Protect

    Access valuable resources and educational tools to stay informed and safeguard against insurance fraud.

    Access Resources