Uncovering Auto Insurance Fraud: A Guide For Illinois Residents

If you suspect auto insurance fraud in Illinois, you can report it by calling the National Insurance Crime Bureau (NICB) at 800-TEL-NICB (800.835.6422). You can also submit a complaint against a company or producer with the Illinois Department of Insurance (DOI). Complaints are kept confidential and will not be released to anyone besides the policyholder who made the complaint. Additionally, you can report insurance fraud directly to your insurance company, which is required to notify an authorized governmental agency and provide relevant information.

Report to the National Insurance Crime Bureau (NICB)

If you suspect auto insurance fraud in Illinois, you can report it to the National Insurance Crime Bureau (NICB). The NICB is a non-profit organization that focuses on preventing, detecting, and deterring insurance fraud and vehicle theft through information analysis, investigations, training, and public awareness.

You can contact the NICB in the following ways:

• Call 800.TEL.NICB (800.835.6422) from Monday to Friday, 7 a.m. to 7 p.m. CST.
• Report fraud online using the form on their website. All tips can be anonymous.

When reporting suspected auto insurance fraud to the NICB, it is helpful to provide as much detailed information as possible. This includes information such as the nature of the suspected fraud, the names and contact information of any individuals or businesses involved, policy numbers, claim numbers, and any other relevant documentation or evidence.

Additionally, you can also submit a consumer insurance complaint against a company or producer with the Illinois Department of Insurance (DOI). Complaints filed with the DOI are kept confidential and will not be released to any person or organization except the policyholder, insured, or enrollee who originated the complaint.

File a consumer insurance complaint with the Department of Insurance (DOI)

If you suspect auto insurance fraud in Illinois, you can file a consumer insurance complaint with the Department of Insurance (DOI). Complaints are treated confidentially and will not be released to any person or organization except the policyholder, insured, or enrollee who made the complaint.

Before filing a complaint, it is important to understand the types of activities that constitute insurance fraud. These include misrepresenting facts, such as residence address, to obtain cheaper insurance, staging accidents, faking or inflating losses, setting fires intentionally, submitting phony or inflated bills, misrepresenting the ability to work, and fraudulent use of identity or payment information to obtain a policy.

To file a complaint with the DOI, you can submit it directly to the department. The specific process may vary depending on the state or local guidelines. It is recommended to check the official website of the DOI in Illinois or contact them directly to understand the required steps and information needed to submit a comprehensive complaint.

Additionally, you can report suspected insurance fraud to the National Insurance Crime Bureau (NICB) by calling their hotline at 800.TEL.NICB (800.835.6422) or by submitting a report online. The NICB handles reports from across the country and keeps your information anonymous if desired.

Report to the Illinois State Police

If you suspect auto insurance fraud in Illinois, you can report it to the Illinois State Police. The Illinois State Police is an "authorized governmental agency" as defined by the Motor Vehicle Theft and Motor Insurance Fraud Reporting and Immunity Law. This means that it has the power to investigate motor vehicle theft and insurance fraud.

To report auto insurance fraud to the Illinois State Police, you can submit a written request or complaint. The Illinois Department of Insurance (DOI) accepts complaints against a company or producer. These complaints are kept confidential and will not be released to anyone other than the policyholder, insured, or enrollee who made the complaint.

Additionally, you can contact the National Insurance Crime Bureau (NICB) to report suspected insurance fraud. You can reach them by calling 800.TEL.NICB (800.835.6422) from Monday to Friday, 7 a.m. to 7 p.m. CST, or by submitting a report online. Your tip can be anonymous.

Report to the Attorney General

If you suspect motor vehicle insurance fraud in Illinois, you can report it to an "authorized governmental agency". This includes the Illinois Attorney General, as well as the Illinois State Police, a local government police department, a county sheriff's office, a State's Attorney, a municipal attorney, a United States district attorney, a duly constituted criminal investigative agency of the US government, the Illinois Department of Insurance, the Illinois Department of Professional Regulation, and the office of the Illinois Secretary of State.

According to Illinois law, when an insurer has reason to believe that a criminal or fraudulent act relating to a motor vehicle theft or insurance claim has occurred, and that this act has not been reported to an authorized governmental agency, the insurer shall notify an authorized governmental agency of this knowledge and provide any additional relevant information. If the incident that gave rise to the suspected criminal or fraudulent act is claimed to have occurred outside the State of Illinois but the suspected criminal or fraudulent act occurred within the state, the insurer shall make the report to the Attorney General or State's Attorney in the county or counties where the suspected criminal or fraudulent act occurred. When fraud occurs in multiple counties, the report shall also be sent to the Attorney General.

You can also submit a complaint against a company or producer with the Department of Insurance (DOI). Complaints are confidential records and will not be released to any person or organization except the policyholder, insured or enrollee who originated the complaint.

Additionally, you can report suspected insurance fraud by calling the National Insurance Crime Bureau (NICB) hotline at 800-TEL-NICB (800.835.6422) or by reporting fraud online using the NICB website. All tips can be anonymous.

Report to the State's Attorney

If you suspect auto insurance fraud in Illinois, you can report it to the National Insurance Crime Bureau (NICB) or State Farm. You can do this by calling the NICB hotline at 800-TEL-NICB (800.835.6422) or by reporting the fraud online using the form on their website. You can also call State Farm directly. All tips can be made anonymously.

Alternatively, you can submit a complaint against a company or producer with the Illinois Department of Insurance (DOI). Complaints are kept confidential and will not be released to any person or organization that is not the policyholder, insured, or enrollee who originated the complaint.

If the auto insurance fraud involves a criminal or fraudulent act that has not been reported to an authorized governmental agency, the insurer must notify said agency and provide any additional relevant information. Authorized governmental agencies include:

• Illinois State Police
• Local governmental police department
• County sheriff's office
• State's Attorney
• Attorney General
• Municipal attorney
• United States district attorney
• Criminal investigative agency of the United States government
• Illinois Department of Insurance
• Illinois Department of Professional Regulation
• Office of the Illinois Secretary of State

If the incident that gave rise to the suspected criminal or fraudulent act is claimed to have occurred outside of Illinois but the fraudulent act occurred within the state, the insurer must make a report to the Attorney General or State's Attorney in the county or counties where the suspected fraudulent act occurred.

Frequently asked questions