Reporting Auto Insurance Fraud In New York: What To Do

Insurance fraud is a crime that costs New York State residents millions of dollars in the form of increased premiums and higher prices for goods and services. Auto insurance fraud can take many forms, such as a driver and a body shop worker agreeing to inflate auto damage claims, or a driver staging a fake accident. If you suspect insurance fraud has been committed, you can report it to the New York State Department of Financial Services (DFS) or contact the National Insurance Crime Bureau (NICB). Reporting can be done by phone, mail, fax, or online.

Report to the National Insurance Crime Bureau (NICB)

Reporting Auto Insurance Fraud to the National Insurance Crime Bureau (NICB)

The NICB is a non-profit organization that works with insurance companies and law enforcement to identify, detect, and prosecute insurance criminals. The NICB website is a great source of information for anyone wanting to report insurance fraud.

If you suspect fraudulent activities, you can contact the NICB by calling 800.TEL.NICB (800.835.6422) Monday to Friday, 7 a.m. to 7 p.m. CST. All tips can be made anonymously. You can also report fraud online by filling out a form on the NICB website.

The NICB is just one of several organizations that you can report insurance fraud to. Other organizations include the Coalition Against Insurance Fraud (CAIF) and the National Association of Insurance Commissioners (NAIC).

Additionally, you can report insurance fraud directly to your state's fraud bureau, which investigates insurance fraud and invites citizens to phone in tips about suspected scams. Some bureaus also allow you to report scams through their websites.

Remember, insurance fraud is a serious crime that affects every resident of New York State, resulting in increased premiums and higher prices for goods and services. By reporting suspected fraud, you can help fight this crime and protect consumers.

Call the NY fraud hotline

If you suspect insurance fraud in New York, you can call the NY fraud hotline. The number for this hotline is 1-888-372-8369. This is a confidential way to report fraud, and your call will be handled by the New York State Department of Financial Services.

The NY fraud hotline is a simple and direct way to report any suspected insurance fraud. You can call this number to report auto insurance fraud, such as a driver and body shop worker agreeing to inflate an auto damage claim and share the profit, or a driver staging a fake accident.

When you call the NY fraud hotline, you will be able to provide details of the suspected fraud. It is helpful to have as much information as possible to hand, including any evidence or specific details that may assist the investigation. You can also report fraud by mail, fax, or online form if you prefer.

The NY fraud hotline is a valuable tool in the fight against insurance fraud, which costs New York State residents millions of dollars each year in increased premiums and higher prices for goods and services. By reporting suspected fraud, you can play a crucial role in helping to protect consumers and keep insurance costs down.

Remember, insurance fraud is a serious crime with serious consequences. If you suspect that someone is committing insurance fraud in New York, don't hesitate to call the NY fraud hotline to make a confidential report.

Report online

How to Report Auto Insurance Fraud in New York State

To report auto insurance fraud online, you can use the Report Insurance Fraud submission form to report a suspected fraud to the Department of Financial Services (DFS). This is a confidential service for the general public only. If you are an insurer, you must submit fraud reports using the Frauds Case Management System (FCMS).

The National Insurance Crime Bureau (NICB) also allows you to report fraud online. You can also call the NICB on 800.TEL.NICB (800.835.6422) Monday through Friday, 7 a.m. to 7 p.m. CST.

Other Ways to Report

You can also report insurance fraud by phone, mail, or fax.

To report by phone, call the Insurance Fraud Hotline: (888) FRAUDNY | (888) 372-8369.

To report by mail, print and complete the Report Fraud Form (PDF) and mail it to:

New York State Department of Financial Services

Insurance Frauds Bureau

One State Street,

New York, NY 10004

To report by fax, print and complete the Report Fraud Form (PDF) and fax it to: (212) 709-3555.

Report by mail

Reporting Auto Insurance Fraud by Mail in New York

If you suspect insurance fraud in New York, you can report it to the Department of Financial Services (DFS). The matter will be kept confidential.

To report by mail, you can download and print the Report Fraud Form (PDF) from the DFS website. Once you have completed the form, mail it to the following address:

New York State Department of Financial Services

Insurance Frauds Bureau

One State Street

New York, NY 10004

Alternatively, you can report auto insurance fraud by phone, online, or by fax.

Other Reporting Options:

• By Phone: Call the Insurance Fraud Hotline at (888) FRAUDNY or (888) 372-8369.
• Online: Use the Report Insurance Fraud submission form on the DFS website to report suspected fraud.
• By Fax: Print, complete, and fax the Report Fraud Form to (212) 709-3555.

Auto insurance fraud can take many forms, including:

• Staging a fake accident and making false medical claims.
• Dishonestly lowering premiums by lying on insurance applications or renewals (e.g., misrepresenting marital status, drivers in the household, driving history, or garaging of vehicles).
• Inflating auto damage claims, as in the case of a driver and body shop worker agreeing to inflate the claim and share the "profit."

Remember, insurance fraud is a crime that victimizes every resident of New York State, leading to increased premiums and higher prices for goods and services. Therefore, it is essential to report any suspected fraud to the appropriate authorities.

Report by fax

If you suspect insurance fraud in New York, you can report it by fax to the Department of Financial Services (DFS). The matter will be kept confidential.

To report by fax, you will need to download and print the Report Fraud Form. This form is for the general public only; if you are an insurer, you must submit fraud reports using the Frauds Case Management System (FCMS).

Once you have completed the Report Fraud Form, fax it to the DFS Insurance Frauds Bureau at (212) 709-3555.

The DFS defines fraud as:

> "an intentional deception or misrepresentation made by a person with the knowledge that the deception could result in some unauthorized benefit to himself or some other person. It includes any act that constitutes fraud under applicable Federal or state law, including 18 U.S.C. § 1347 and New York Insurance Law § 403."

Insurance fraud is a crime that costs every resident of New York State millions of dollars in increased premiums and higher prices for goods and services. It is important to report any suspected fraud to help combat this issue.

You can also report insurance fraud by phone, mail, or online.

Frequently asked questions