LLAPP 02/18 Page 6
FRAUD WARNINGS
FOR APPLICANTS IN THE FOLLOWING STATES:
COLORADO – It is unlawful to knowingly provide false, incomplete, or misleading facts or informaon to an insurance company for
the purpose of defrauding or aempng to defraud the company. Penales may include imprisonment, fines, denial of insurance,
and civil damages. Any insurance company or agent of an insurance company who knowingly provides false, incomplete, or
misleading facts or informaon to a policyholder or clamant for the purpose of defrauding or aempng to defraud the policyholder
or claimant with regard to a selement or award payable from insurance proceeds shall be reported to the Colorado Division of
Insurance within the Department of Regulatory Agencies.
DISTRICT OF COLUMBIA – WARNING: It is a crime to provide false or misleading informaon to an insurer for the purpose of
defrauding the insurer or any other person. Penales include imprisonment and/or fines. In addion, an insurer may deny insurance
benefits if false informaon materially related to a claim was provided by the applicant.
FLORIDA – Any person who knowingly and with intent to injure, defraud, or deceive any insurer files a statement of claim or an
applicaon containing any false, incomplete, or misleading informaon is guilty of a felony of the third degree.
KANSAS – Any person who commits a fraudulent insurance act is guilty of a crime and may be subject to restuon, fines and
confinement in prison. A fraudulent insurance act means an act commied by any person who, knowingly and with intent to
defraud, presents, causes to be presented or prepares with knowledge or belief that it will be presented to or by an insurer,
purported insurer or insurance agent or broker, any wrien electronic, electronic impulse, facsimile, magnec, oral, or telephonic
communicaon or statement as part of, or in support of, an applicaon for insurance, or the rang of an insurance policy, or a claim
for payment or other benefit under an insurance policy, which such person knows to contain materially false informaon
concerning any material fact thereto; or conceals, for the purpose of misleading, informaon concerning any fact material thereto.
MARYLAND – Any person who knowingly or willfully presents a false or fraudulent claim for payment of a loss or benefit or who
knowingly or willfully presents false informaon in an applicaon for insurance is guilty of a crime and may be subject to fines and
confinement in prison.
NEW YORK – Any person who knowingly and with intent to defraud any insurance company or other person files an applicaon
for insurance or statement of claim containing any materially false informaon, or conceals for the purpose of misleading,
informaon concerning any fact material thereto, commits a fraudulent insurance act, which is a crime and shall also be subject to
a civil penalty not to exceed five thousand dollars and the stated value of the claim for each such violaon.
OHIO – Any person who, with intent to defraud or knowing that he/she is facilitang a fraud against an insurer, submits an
applicaon or files a claim containing a false or decepve statement is guilty of insurance fraud.
OKLAHOMA – Any person who knowingly, and with intent to injure, defraud or deceive any insurer, makes any claim for the
proceeds of an insurance policy containing any false, incomplete or misleading informaon is guilty of a felony.
OREGON – Any person who knowingly and with intent to defraud any insurance company or other person: (1) files an applicaon
for insurance or statement of claim containing any materially false informaon; or (2) conceals for the purpose of misleading,
informaon, informaon concerning any material fact, may have commied a fraudulent insurance act, which may be a crime and
may subject the person to penales.
PUERTO RICO – Any person who knowingly and with intent to defraud, presents false informaon in an insurance request form, or
who presents, helps or has presented a fraudulent claim for the payment of a loss or other benefit, or presents more than one claim
for the same damage or loss, will incur a felony, and upon convicon will be penalized for each violaon with a fine of no less than
five thousand dollars ($5,000) nor more than ten thousand dollars ($10,000); or imprisonment for a fixed term of three (3) years or
both penales. If aggravated circumstances prevail, the fixed established imprisonment may be increased to a maximum of five (5)
years; if aenuang circumstances prevail, it may be reduced to a minimum of two (2) years.
FOR APPLICANTS IN ALABAMA, ARKANSAS, ARIZONA, LOUISIANA, NEW MEXICO AND WEST VIRGINIA:
Any person who knowingly presents a false claim or fraudulent claim for payment of a loss or benefit or who knowingly presents
false informaon in an applicaon for insurance is guilty of a crime and may be subject to fines or confinement in prison.
FOR APPLICANTS IN MAINE, TENNESSEE, VIRIGINA AND WASHINGTON:
It is a crime to knowingly provide false, incomplete or misleading informaon to an insurance company for the purpose of
defrauding the company. Penales may include imprisonment, fines or denial of insurance benefits.
FOR APPLICANTS IN ALL OTHER STATES:
Any person who knowingly and with intent to defraud any insurance company or other person file an applicaon for insurance
containing any materially false informaon or conceals, for the purposes of misleading, informaon concerning any fact material
thereto commits a fraudulent insurance act, which is a crime and subjects that person to criminal and civil penales.