Any person who knowingly and with intent to defraud any insurance company or another person, les an application for insurance con-
taining any materially false information or conceals for the purpose of misleading, information concerning any fact material thereto, may
be guilty of committing a fraudulent insurance act, which is a crime and subjects the person to criminal and civil penalties.
NOTICE TO ALABAMA AND MARYLAND APPLICANTS: Any person who knowingly or willfully presents a false or fraudulent claim for pay-
ment of a loss or benet or who knowingly or willfully presents false information in an application for insurance is guilty of a crime and
may be subject to nes and connement in prison.
NOTICE TO ARKANSAS, MINNESOTA, AND OHIO APPLICANTS: Any person who, with intent to defraud or knowing that he/she is facilitat-
ing a fraud against an insurer, submits an application or les a claim containing a false or deceptive statement is guilty of insurance
fraud, which is a crime.
NOTICE TO COLORADO APPLICANTS: It is unlawful to knowingly provide false, incomplete, or misleading facts or information to an insur-
ance company for the purpose of defrauding or attempting to defraud the company. Penalties may include imprisonment, nes, denial
of insurance, and civil damages. Any insurance company or agent of an insurance company who knowingly provides false, incomplete, or
misleading facts or information to a policy holder or claimant for the purpose of defrauding or attempting to defraud the policy holder or
claimant with regard to a settlement or award payable from insurance proceeds shall be reported to the Colorado division of insurance
within the department of regulatory agencies.
NOTICE TO DISTRICT OF COLUMBIA APPLICANTS: WARNING: It is a crime to provide false or misleading information to an insurer for the
purpose of defrauding the insurer or any other person. Penalties include imprisonment and/or nes. In addition, an insurer may deny
insurance benets, if false information materially related to a claim was provided by the applicant.
NOTICE TO FLORIDA APPLICANTS: Any person who knowingly and with intent to injure, defraud or deceive any insurer les a statement of
claim or an application containing any false, incomplete, or misleading information is guilty of a felony of the third degree.
NOTICE TO KENTUCKY APPLICANTS: Any person who knowingly and with intent to defraud any insurance company or other person les
an application for insurance containing any false information, or conceals for the purpose of misleading, information concerning any fact
material thereto, commits a fraudulent insurance act, which is a crime.
NOTICE TO LOUISIANA, NEW MEXICO AND RHODE ISLAND APPLICANTS: Any person who knowingly presents a false or fraudulent claim
for payment of a loss or benet or knowingly presents false information in an application for insurance is guilty of a crime and may be
subject to civil nes and criminal penalties.
NOTICE TO MAINE, TENNESSEE, VIRGINIA AND WASHINGTON APPLICANTS: It is a crime to knowingly provide false, incomplete or mis-
leading information to an insurance company for the purpose of defrauding the company. Penalties may include imprisonment, nes, or
a denial of insurance benets.
NOTICE TO NEW JERSEY APPLICANTS: Any person who includes any false or misleading information on an application for an insurance
policy is subject to criminal and civil penalties.
NOTICE TO OKLAHOMA APPLICANTS: WARNING: 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 information is guilty of a felony.
NOTICE TO OREGON AND TEXAS APPLICANTS: Any person who makes an intentional misstatement that is material to the risk may be
found guilty of insurance fraud by a court of law.
NOTICE TO PENNSYLVANIA APPLICANTS: Any person who knowingly and with intent to defraud any insurance company or other person
les an application for insurance or statement of claim containing any materially false information, or conceals for the purpose of mis-
leading, information concerning any fact material thereto, commits a fraudulent insurance act, which is a crime and subjects such person
to criminal and civil penalties.
NOTICE TO PUERTO RICO APPLICANTS: Any person who knowingly and with the intent to defraud, presents false information in an insur-
ance request form, or who presents, helps or has presented a fraudulent claim for the payment of a loss or other benet, or presents
more than one claim for the same damage or loss, will incur a felony, and upon conviction will be penalized for each violation with a ne
of no less than ve thousand dollars ($5,000) nor more than ten thousand dollars ($10,000); or imprisonment for a xed term of three
(3) years, or both penalties. If aggravated circumstances prevail, the xed established imprisonment may be increased to a maximum of
ve (5) years; if attenuating circumstances prevail, it may be reduced to a minimum of two (2) years.
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