Auto Insurance Fraud

Auto insurance fraud is an enormous problem in the United States, one that costs New Yorkers millions of dollars each and every year. Unfortunately, many people do not realize the severity of this crime. There exists a mistaken perception that this type of fraud is somehow harmless and acceptable. In reality, though, all New Yorkers are the victims of this illegal activity, paying in the form of higher insurance premiums, hundreds of dollars more than they would otherwise be.

Fraud can come in many different sizes and varieties, all of which are costly to New York drivers. It can be as simple as misrepresenting facts on insurance applications and inflating insurance claims or as serious as staging accidents and submitting claim forms for injuries or damage that never occurred.

Achieving success depends on public awareness of the problem and willingness to assist our efforts. Under New York's Insurance Law, licensees of the Insurance Department (such as insurers, agents, and brokers) are required to report any suspected fraudulent acts to the Department's Insurance Frauds Bureau. However, any New Yorker who knows of insurance fraud or has reason to suspect it should be sure to call the National Insurance Crime Bureau at 1-800-TEL-NICB or write to:

Insurance Fraud Bureau
New York State Insurance Department
25 Beaver Street
New York, New York 10004

Together we can reduce the amount of insurance fraud in our state, and in doing so, reduce future premiums for all New Yorkers.

Info for Auto Insurance Consumers (NYS Department of Financial Services)

Select pages from the NYS Dept of Insurance website: