S369s (05/13) Contains copyrighted material of Insurance Services Office, Inc., with its permission. Page 5 of 6
Colorado
It is unlawful to knowingly provide false, incomplete, or misleading facts or information to an insurance company for the
purpose of defrauding or attempting to defraud the company. Penalties 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 information to a policyholder or claimant for the purpose of defrauding or attempting to defraud the
policyholder 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.
Florida
Any person who knowingly and with intent to injure, defraud or deceive any insurer files a statement of claim or an application
containing any false, incomplete, or misleading information is guilty of a felony of the third degree.
District of Columbia
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 fines. In addition, an insurer may deny insurance benefits if false
information materially related to a claim was provided by the applicant.
Hawaii
Intentionally or knowingly misrepresenting or concealing a material fact, opinion or intention to obtain coverage, benefits,
recovery or compensation when presenting an application for the issuance or renewal of an insurance policy or when
presenting a claim for the payment of a loss is a criminal offense punishable by fines or imprisonment, or both.
Idaho
Any person who knowingly, and with intent to defraud or deceive any insurance company, files a statement of claim
containing any false, incomplete, or misleading information is guilty of a felony.
Indiana
Any person who knowingly and with intent to defraud an insurer files a statement of claim containing any false, incomplete, or
misleading information commits a felony.
Kansas
Any person who commits a fraudulent insurance act is guilty of a crime and may be subject to restitution, fines and
confinement in prison. A fraudulent insurance act means an act committed 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 written statement as part of, or in support of, an application for insurance,
or the rating of an insurance policy, or a claim for payment or other benefit under an insurance policy, which such person
knows to contain materially false information concerning any material fact thereto; or conceals, for the purpose of misleading,
information concerning any fact material thereto.
Minnesota
Any person who files a claim with intent to defraud or help commit a fraud against an insurer is guilty of a crime.
New Hampshire
Any person who, with a purpose to injure, defraud or deceive any insurance company, files a statement of claim containing
any false, incomplete, or misleading information is subject to prosecution and punishment for insurance fraud, as provided in
RSA 638:20.
New Jersey
Any person who includes any false or misleading information on an application for an insurance policy is subject to criminal
and civil penalties.
New Mexico
Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false
information in an application for insurance is guilty of a crime and may be subject to civil fines and criminal penalties.
New York
Any person who knowingly and with intent to defraud any insurance company or other person files an application for
insurance or statement of claim containing any materially false information, or conceals for the purpose of misleading,
information 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 violation.
Ohio
Any person who, with intent to defraud or knowing that he is facilitating a fraud against an insurer, submits an application or
files a claim containing a false or deceptive statement is guilty of insurance fraud.
Oklahoma
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.