{"id":371556,"date":"2016-03-31T21:34:25","date_gmt":"2016-04-01T02:34:25","guid":{"rendered":"https:\/\/content.findlaw-admin.com\/ability-law\/state\/arizona-law\/arizona-insurance-fraud-laws.html"},"modified":"2018-03-06T14:29:43","modified_gmt":"2018-03-06T19:29:43","slug":"arizona-insurance-fraud-laws","status":"publish","type":"page","link":"https:\/\/www.findlaw.com\/state\/arizona-law\/arizona-insurance-fraud-laws.html","title":{"rendered":"Arizona Insurance Fraud Laws"},"content":{"rendered":"\n
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Arizona Insurance Fraud Laws<\/h1>\n
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Created by FindLaw’s team<\/a> of legal writers and editors<\/i><\/p>\n\n | Last reviewed\n

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The last updated date refers to the last time this article was reviewed by FindLaw or one of our contributing authors<\/a>. We make every effort to keep our articles updated. For information regarding a specific legal issue affecting you, please contact an attorney in your area<\/a>.<\/em><\/p>\n\n <\/div>\n <\/details>\n<\/section>\n

Insurance fraud can be perceived as a victimless crime, but the estimated losses from this crime exceed $100 Billion every year. Ten percent of all types of insurance claims (property & casualty, health, life, workers\u2019 compensation) are suspected to be fraudulent.<\/p>\n

In the state of Arizona, insurance fraud<\/a> can occur in several different ways including automobile fraud, worker’s compensation<\/a> fraud, property fraud, and casualty fraud. Generally insurance fraud offenses can occur when someone tries to deceive an insurance company, agent or other person to fraudulently get money they aren’t entitled to.<\/p>\n

It happens when someone puts false information on an insurance application and when false or misleading information is given or important information is omitted in an insurance transaction or claim.<\/p>\n

Who Enforces and Prosecutes Insurance Fraud Laws?<\/h2>\n

The Arizona Department of Insurance (ADOI), Fraud Unit<\/a> and local prosecutors<\/a> handle insurance fraud cases under the state’s penal laws. The Federal Government can also prosecute insurance fraud under a number of criminal statutes including as "mail fraud," "criminal racketeering<\/a>" or other federal offenses.<\/p>\n

How do I File a Complaint Against an Arizona Insurance Company?<\/h2>\n

You can file an online complaint<\/a> (PDF) against insurance carriers and other providers, including reporting suspected insurance fraud.<\/p>\n

The following table highlights the main provisions of Arizona’s insurance fraud laws. See also Association of Certified Fraud Examiners<\/a>, Fraud<\/a>, Fraud and Financial Crimes<\/a>, and Arson<\/a>.<\/p>\n\n
Code Section<\/b><\/td>\n

A.R.S. \u00a720-463<\/a><\/p>\n<\/td>\n<\/tr>

What is Prohibited<\/b><\/td>\n

Any time a person files a claim against an insurance company or policy using false information or intentionally deceiving the claim representative, they are committing a fraud.<\/p>\n<\/td>\n<\/tr>

Penalties<\/b><\/td>\n

Typically a class six felony that can mean 10 years in prison, a maximum fine of $150,000 and possibly a civil penalty of $5,000 for each violation.<\/p>\n<\/td>\n<\/tr>

Who Can Be Prosecuted<\/b><\/td>\nConsumers, providers (such a doctor and auto repair shop), and insurance companies, adjusters and others<\/td>\n<\/tr>
Types of Insurance Fraud<\/b><\/td>\n