Report insurance fraud
Insurance fraud raises premiums for everyone who pays them honestly. Tell our Special Investigations Unit about a policy, application or claim you believe is not legitimate — you may do so anonymously.
Last reviewed July 2026.
What insurance fraud is, and what it costs
Insurance fraud is any act intended to obtain an undeserved benefit from an insurance transaction — a fraudulent application, a staged loss, or an inflated or fabricated claim. It is not a victimless act: every dollar paid on a fraudulent claim is a dollar added to the premium every other policyholder pays.
Examples by line of business
Personal auto
Staged accidents, exaggerated or fabricated injuries, and inflated repair invoices for damage that pre-existed the reported loss.
CPP & commercial property
Claim padding — adding undamaged or unrelated items to a legitimate property or theft claim — and applications that misstate a business’s operations to obtain a lower rate.
Workers’ compensation
Premium fraud through misreported payroll or misclassified class codes, and claims for an injury that did not occur at work or did not occur at all.
Producer & application fraud
“Ghost brokering” — an unlicensed party collecting premium and never remitting it or binding real coverage — and an application that omits a material fact to obtain a policy or a lower rate.
How to report, and what happens next
Report by phone, in writing, or using the form below. You may report anonymously — we do not require your name to act on a tip, and we accept anonymous reports.
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You report what you know
Call 1-800-874-3368 and ask for the Special Investigations Unit, write to us, or use the form below. Give as much detail as you have — names, policy or claim numbers, dates — but a partial tip is still useful.
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The Special Investigations Unit reviews it
A dedicated investigator reviews every report, including anonymous ones, and decides whether it warrants a full investigation.
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We investigate
An investigation may include reviewing records, interviewing parties, and coordinating with law enforcement or the state department of insurance’s fraud bureau.
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We act on the result
Depending on what the investigation finds, we may deny or rescind a claim or policy, and we refer confirmed fraud to state and federal authorities for prosecution.
Fraud report form
Leave your name and contact information blank if you want to report anonymously.
Fraud warning statement
Any person who knowingly and with intent to injure, defraud or deceive any insurer files a statement of claim or an application for insurance containing any materially false information, or conceals for the purpose of misleading information concerning any fact material thereto, commits a fraudulent insurance act, which is a crime and subjects the person to criminal and civil penalties. Specific language and required placement of this statement vary by state; the version that applies to your policy appears on your application or claim form.