{"id":373247,"date":"2016-03-31T21:35:17","date_gmt":"2016-04-01T02:35:17","guid":{"rendered":"https:\/\/content.findlaw-admin.com\/ability-law\/state\/indiana-law\/indiana-insurance-fraud-laws.html"},"modified":"2018-03-10T03:49:22","modified_gmt":"2018-03-10T08:49:22","slug":"indiana-insurance-fraud-laws","status":"publish","type":"page","link":"https:\/\/www.findlaw.com\/state\/indiana-law\/indiana-insurance-fraud-laws.html","title":{"rendered":"Indiana Insurance Fraud Laws"},"content":{"rendered":"\n<div class=\"wp-container-core-columns-is-layout-9d6595d7 fl-sectionWithSidebar fl-container fl-flex fl-flex-wrap fl-gap30\">\n    \n    <div class=\"fl-page-articles fl-section-main fl-section-main-full-width\">\n        <h1 class=\"fl-no-margin-top\">Indiana Insurance Fraud Laws<\/h1>\n<section class=\"fl-gutenberg-byline\">\n    <div class=\"fl-gutenberg-byline-content\">\n                    <p><i>Created by <a href=\"https:\/\/www.findlaw.com\/company\/our-team.html\">FindLaw&#8217;s team<\/a> of legal writers and editors<\/i><\/p>\n\n                | Last updated\n        <time>\n                            March 10, 2018\n                    <\/time>\n    <\/div>\n\n    \n    <details class=\"fl-gutenberg-byline-toggle fl-gutenberg-byline-legally-reviewed\">\n        <summary>\n            <i class=\"fl-gutenberg-byline-icon\" aria-hidden=\"true\"><\/i>\n            Legally Reviewed\n        <\/summary>\n\n        <div class=\"fl-gutenberg-byline-toggle-content\">\n            <p><em>This article has been written and reviewed for legal accuracy, clarity, and style by <a href=\"https:\/\/www.findlaw.com\/company\/our-team.html\">FindLaw\u2019s team of legal writers and attorneys<\/a> and in accordance with <a href=\"https:\/\/www.findlaw.com\/company\/company-history\/editorial-policy.html\">our editorial standards<\/a>.<\/em><\/p>\n\n        <\/div>\n    <\/details>\n\n    <details class=\"fl-gutenberg-byline-toggle fl-gutenberg-byline-fast-checked\">\n        <summary>\n            <i class=\"fl-gutenberg-byline-icon\" aria-hidden=\"true\"><\/i>\n            Fact-Checked\n        <\/summary>\n\n        <div class=\"fl-gutenberg-byline-toggle-content\">\n            <p><em>The last updated date refers to the last time this article was reviewed by FindLaw or one of our <a href=\"https:\/\/www.findlaw.com\/company\/our-team\/contributing-authors.html\">contributing authors<\/a>. We make every effort to keep our articles updated. For information regarding a specific legal issue affecting you, please <a href=\"https:\/\/lawyers.findlaw.com\/?fli=bylinelink\" target=\"_blank\" rel=\"noopener\">contact an attorney in your area<\/a>.<\/em><\/p>\n\n        <\/div>\n    <\/details>\n<\/section>\n<p>Insurance fraud generally occurs when someone tries to make money from an insurance transaction through lying or misrepresenting what happened. In Indiana, this can occur many different ways. Insurers can also violate insurance laws in many ways, such as misrepresentation in selling insurance, inappropriate cancellation of policies, or wrongful denial of coverage. A few examples of <a href=\"https:\/\/www.findlaw.com\/criminal\/criminal-charges\/insurance-fraud.html\" target=\"_blank\">insurance fraud<\/a> are:<\/p>\n<ul>\n<li><u>Casualty Fraud<\/u>: Faking or exaggerating an injury or accident to get money or services from an insurance company.<\/li>\n<li><u>Property Fraud<\/u>: Exaggerating the extent of damage to your home, car, or other property; deliberately damages your own possessions for reimbursement by your insurer; or seeking reimbursement for a \u201clost\u201d or \u201cstolen\u201d item that you still have or you gave away.<\/li>\n<li><u>Workers&#8217; Compensation<\/u>: Claiming to have <a href=\"https:\/\/www.findlaw.com\/injury\/workers-compensation.html\" adhocenable=\"false\">suffered an injury while at work<\/a> that you either didn&#8217;t suffer at all, or you were injured at home or on vacation.<\/li>\n<\/ul>\n<h2>Who Enforces and Prosecutes Insurance Fraud Laws?<\/h2>\n<p>State and local prosecutors in Indiana handle insurance fraud cases under the applicable criminal and insurance codes. When insurance companies or agents act illegally or unprofessionally, the issues can also be handled administratively by the Indiana <a href=\"http:\/\/www.in.gov\/idoi\/\" target=\"_blank\" rel=\"noopener\">Department of Insurance<\/a>, for example by revoking an insurer\u2019s license. The U.S. federal government also prosecutes insurance fraud under federal criminal laws, including mail fraud or <a href=\"https:\/\/www.findlaw.com\/criminal\/criminal-charges\/racketeering-rico.html\" target=\"_blank\">racketeering<\/a>.<\/p>\n<p>Indiana&#8217;s insurance fraud laws are outlined below.<\/p>\n<table cellspacing=\"0\" cellpadding=\"0\" border=\"1\">\n<tbody><tr><td><p><b>Code Sections<\/b><\/p>\n<\/td>\n<td><p>Indiana Code Title 27: <a adhocenable=\"false\" href=\"https:\/\/codes.findlaw.com\/in\/title-27-insurance\/\" target=\"_blank\" rel=\"noopener\">Insurance<\/a><\/p>\n<p>Indiana Administrative Code Title 760: <a adhocenable=\"false\" href=\"https:\/\/codes.findlaw.com\/in\/title-27-insurance\/in-code-sect-27-1-1-1.html\" target=\"_blank\" rel=\"noopener\">Department of Insurance<\/a><\/p>\n<p>IC Section <a adhocenable=\"false\" href=\"https:\/\/codes.findlaw.com\/in\/title-35-criminal-law-and-procedure\/in-code-sect-35-43-5-4-5.html\" target=\"_blank\" rel=\"noopener\">35-43-5-4.5<\/a> &#8211; Insurance Fraud<\/p>\n<ul>\n<li>Making an insurance claim or providing a written or oral statement containing false or misleading information with the intent to defraud<\/li>\n<li>Getting new or renewal insurance for an insolvent insurer<\/li>\n<li>Removing insurer records or assets from insurer&#8217;s safekeeping or concealing them from the Department of Insurance<\/li>\n<li>Diverting insurer funds in connection with insurance formation, business activities, or transactions<\/li>\n<\/ul>\n<\/td>\n<\/tr><tr><td><p><b>What is Prohibited?<\/b><\/p>\n<\/td>\n<td><p><u>For consumers<\/u>: Lying about or concealing important facts related to an insurance claim or payment made under an insurance policy or damaging property to get the insurance benefits.<\/p>\n<p><u>For insurers<\/u>: Issuing fake insurance policies, <a adhocenable=\"false\" href=\"https:\/\/codes.findlaw.com\/in\/title-27-insurance\/in-code-sect-27-1-12-25.html\" target=\"_blank\" rel=\"noopener\">misrepresenting insurance<\/a> you sell, <a adhocenable=\"false\" href=\"https:\/\/codes.findlaw.com\/in\/title-27-insurance\/in-code-sect-27-17-3-2.html\" target=\"_blank\" rel=\"noopener\">denying payment<\/a> for covered incidents, operating an insurance company in bad faith, and more.<\/p>\n<\/td>\n<\/tr><tr><td><p><b>Penalties<\/b><\/p>\n<\/td>\n<td><p>Criminal penalties for insurance fraud include jail time, fines, and <a href=\"https:\/\/dictionary.findlaw.com\/definition\/restitution.html\" target=\"_blank\" rel=\"noopener\">restitution<\/a>. Civil penalties are also possible, including fines, cancellation of your insurance policy, and <a adhocenable=\"false\" href=\"https:\/\/codes.findlaw.com\/in\/title-27-insurance\/in-code-sect-27-1-15-6-12.html\" target=\"_blank\" rel=\"noopener\">revocation of insurance or professional license<\/a>.<\/p>\n<p>The crime insurance fraud described above is generally a Level 6 felony, which carries a penalty range of 6 months to 2.5 years incarceration and a fine up to $10,000. However, insurance fraud is a Level 5 felony if the person has a prior insurance fraud conviction or the value of property or services unlawfully obtained or economic loss suffered by another due to fraud is at least $2,500. The penalty for Level 5 felonies is 1-6 years incarceration and a fine up to $10,000. Lying on an insurance application is a Class A misdemeanor, punishable by up to 1 year incarceration and a fine of up to $5,000<\/p>\n<\/td>\n<\/tr><tr><td><p><b>Who Can Be Prosecuted?<\/b><\/p>\n<\/td>\n<td><p>Consumers, insurance companies, adjusters, service provides (mechanics, doctors, etc), and others.<\/p>\n<\/td>\n<\/tr><tr><td><p><b>Types of Insurance Fraud &amp; Examples<\/b><\/p>\n<\/td>\n<td><ul>\n<li><a href=\"https:\/\/www.findlaw.com\/smallbusiness\/liability-and-insurance\/small-business-insurance-plans.html\" target=\"_blank\">Business Insurance<\/a> \u2013 burning down a failing business to make a profit<\/li>\n<li><a href=\"https:\/\/www.findlaw.com\/injury\/car-accidents\/automobile-insurance-policy-coverage.html\" target=\"_blank\">Car Insurance<\/a> and <a href=\"https:\/\/www.findlaw.com\/injury\/car-accidents\/car-accident-basics.html\" target=\"_blank\">Accidents<\/a> &#8211; reporting automobile accidents that never happened, scams involving stealing cars, or accepting checks for minor accidents without fixing the car<\/li>\n<li><a href=\"https:\/\/www.findlaw.com\/injury\/accident-injury-law\/what-is-disability-insurance.html\" target=\"_blank\">Disability Insurance Benefits<\/a> &#8211; misrepresenting an injury to receive disability benefits<\/li>\n<li><a href=\"https:\/\/www.findlaw.com\/employment\/wages-and-benefits\/health-insurance-benefits.html\" target=\"_blank\">Health Insurance<\/a>, <a href=\"https:\/\/www.findlaw.com\/healthcare\/medicare-medicaid\/medicare-an-overview.html\" target=\"_blank\">Medicare<\/a>, or <a href=\"http:\/\/www.medicaid.gov\/\" target=\"_blank\" rel=\"noopener\">Medicaid<\/a> Claims \u2013 doctors providing unnecessary medical procedures or billing for services or supplies never provided to patients<\/li>\n<li><a href=\"https:\/\/www.findlaw.com\/realestate\/owning-a-home\/insuring-your-home.html\" target=\"_blank\">Home<\/a> or <a href=\"https:\/\/www.findlaw.com\/realestate\/landlord-tenant-law\/renter-s-insurance.html\" target=\"_blank\">Renter&#8217;s Insurance<\/a> \u2013 falsifying the value of stolen items on property loss claims<\/li>\n<li><u>Insurance Applications<\/u> \u2013 omitting negative health history to qualify for life insurance<\/li>\n<li><a href=\"https:\/\/www.findlaw.com\/employment\/losing-a-job\/unemployment-insurance-overview.html\" target=\"_blank\">Unemployment Insurance<\/a> \u2013 getting UI benefits while actually working<\/li>\n<li><a href=\"https:\/\/www.findlaw.com\/injury\/workers-compensation\/workers-compensation-basics.html\" target=\"_blank\">Workers&#8217; Compensation<\/a> &#8211; claiming to be injured when not or the injury occurred while off-duty<\/li>\n<\/ul>\n<\/td>\n<\/tr><tr><td><p><b>Insurance Fraud Enforcement Agencies<\/b><\/p>\n<\/td>\n<td><p>The appropriate agency to call depends on the type of insurance fraud you&#8217;ve witnessed or experienced. If you feel you were victimized by insurance fraud, <a target=\"_blank\" href=\"http:\/\/www.in.gov\/idoi\/2552.htm\" adhocenable=\"false\" rel=\"noopener\">file a complaint<\/a> with the Indiana Department of Insurance online.<\/p>\n<p>For Medicare fraud, you can call your plan provider to ask them about possible fraud, such as being billed for services or supplies you never received. If you&#8217;re uncomfortable doing so or the issue remains unresolved, you can call Medicare at 1-800-Medicare to report the fraud.<\/p>\n<p>If you suspect a licensed professional, such as your doctor, counselor, or other professional, has committed insurance fraud, you may also wish to file a complaint with their <a href=\"http:\/\/www.in.gov\/pla\/boards.htm\" target=\"_blank\" rel=\"noopener\">professional licensing board<\/a> or the Indiana <a href=\"https:\/\/indianaattorneygeneral.secure.force.com\/ConsumerComplaintForm\" target=\"_blank\" rel=\"noopener\">Attorney General&#8217;s Office<\/a> .<\/p>\n<p>Medicaid, food stamps, or other Public Assistance fraud can be reported to the Indiana <a href=\"http:\/\/www.in.gov\/fssa\/\" target=\"_blank\" rel=\"noopener\">Family and Social Services Administration<\/a> Fraud Hotline at 1-800-403-0864. Medicaid fraud can also be reported <a href=\"http:\/\/www.in.gov\/attorneygeneral\/2789.htm\" target=\"_blank\" rel=\"noopener\">online<\/a>.<\/p>\n<p>To report Workers&#8217; Compensation fraud, call the <a href=\"http:\/\/www.in.gov\/wcb\/\" target=\"_blank\" rel=\"noopener\">Indiana Worker&#8217;s Compensation Board<\/a> at 1-800-824-2667.<\/p>\n<\/td>\n<\/tr><\/tbody><\/table>\n<p><b><i>Note:<\/i><\/b><i> State laws are always subject to change through the passage of new legislation, rulings in the higher courts (including federal decisions), ballot initiatives, and other means. While we strive to provide the most current information available, please consult an attorney or conduct your own legal research to verify the state law(s) you are researching.<\/i><\/p>\n<h2>Related Resources<\/h2>\n<ul>\n<li><a href=\"https:\/\/www.findlaw.com\/criminal\/criminal-charges\/fraud.html\">Fraud<\/a><\/li>\n<li><a href=\"https:\/\/www.findlaw.com\/criminal\/criminal-charges\/fraud-financial-crimes.html\">Fraud and Financial Crimes<\/a><\/li>\n<li><a href=\"https:\/\/www.findlaw.com\/criminal\/criminal-charges\/arson.html\">Arson<\/a><\/li>\n<li><a href=\"http:\/\/www.acfe.com\/\" target=\"_blank\" rel=\"noopener\">Association of Certified Fraud Examiners<\/a><\/li>\n<\/ul>\n<h2>Get Legal Help Understanding Indiana Insurance Fraud Laws<\/h2>\n<p>Insurance fraud laws can be complicated. Between car insurance fraud, medical insurance fraud, and welfare fraud, there&#8217;s a lot to know and many ways to be in violation of the law. That&#8217;s why it&#8217;s best to consult with an experienced <a href=\"https:\/\/lawyers.findlaw.com\/white-collar-crimes\/indiana\/?fli=dcta\" target=\"_blank\" rel=\"noopener\">white collar crimes attorney<\/a> if you have questions about your particular situation.<\/p>\n<div class=\"was-this-helpful\">\n    <div\n            class=\"was-this-helpful__question-container\"\n            aria-labelledby=\"was-this-helpful__question\"\n            role=\"group\"\n    >\n        <span\n                id=\"was-this-helpful__question\"\n                class=\"was-this-helpful__question fl-text-lg-bold\"\n        >Was this helpful?<\/span>\n        <button\n                class=\"was-this-helpful__button fl-text-sm\"\n                aria-label=\"Yes\"\n                value=\"yes\"\n        >\n            <span class=\"was-this-helpful__button-text fl-text-bold\">Yes<\/span>\n            <i class=\"was-this-helpful__button-icon\">\n                <svg width=\"22\" height=\"22\" viewBox=\"0 0 22 22\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                    <g id=\"thumbs-up\" clip-path=\"url(#clip0_604_3418)\">\n                        <path id=\"Vector\"\n                              d=\"M6 21H3C2.46957 21 1.96086 20.7893 1.58579 20.4142C1.21071 20.0391 1 19.5304 1 19V12C1 11.4696 1.21071 10.9609 1.58579 10.5858C1.96086 10.2107 2.46957 10 3 10H6M13 8V4C13 3.20435 12.6839 2.44129 12.1213 1.87868C11.5587 1.31607 10.7956 1 10 1L6 10V21H17.28C17.7623 21.0055 18.2304 20.8364 18.5979 20.524C18.9654 20.2116 19.2077 19.7769 19.28 19.3L20.66 10.3C20.7035 10.0134 20.6842 9.72068 20.6033 9.44225C20.5225 9.16382 20.3821 8.90629 20.1919 8.68751C20.0016 8.46873 19.7661 8.29393 19.5016 8.17522C19.2371 8.0565 18.9499 7.99672 18.66 8H13Z\"\n                              stroke=\"#666666\" stroke-width=\"2\" stroke-linecap=\"round\"\n                              stroke-linejoin=\"round\"><\/path>\n                    <\/g>\n                    <defs>\n                        <clipPath id=\"clip0_604_3418\">\n                            <rect width=\"22\" height=\"22\" fill=\"white\"><\/rect>\n                        <\/clipPath>\n                    <\/defs>\n                <\/svg>\n            <\/i>\n        <\/button>\n        <button\n                class=\"was-this-helpful__button fl-text-sm\"\n                aria-label=\"No\"\n                value=\"no\"\n        >\n            <span class=\"was-this-helpful__button-text fl-text-bold\">No<\/span>\n            <i class=\"was-this-helpful__button-icon\">\n                <svg width=\"22\" height=\"22\" viewBox=\"0 0 22 22\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                    <g id=\"thumbs-down\" clip-path=\"url(#clip0_604_3423)\">\n                        <path id=\"Vector\"\n                              d=\"M16 0.999995H18.67C19.236 0.989986 19.7859 1.18813 20.2154 1.55681C20.645 1.9255 20.9242 2.43905 21 3V10C20.9242 10.5609 20.645 11.0745 20.2154 11.4432C19.7859 11.8119 19.236 12.01 18.67 12H16M9.00003 14V18C9.00003 18.7956 9.3161 19.5587 9.87871 20.1213C10.4413 20.6839 11.2044 21 12 21L16 12V0.999995H4.72003C4.2377 0.994543 3.76965 1.16359 3.40212 1.47599C3.0346 1.78839 2.79235 2.22309 2.72003 2.7L1.34003 11.7C1.29652 11.9866 1.31586 12.2793 1.39669 12.5577C1.47753 12.8362 1.61793 13.0937 1.80817 13.3125C1.99842 13.5313 2.23395 13.7061 2.49846 13.8248C2.76297 13.9435 3.05012 14.0033 3.34003 14H9.00003Z\"\n                              stroke=\"#666666\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n                    <\/g>\n                    <defs>\n                        <clipPath id=\"clip0_604_3423\">\n                            <rect width=\"22\" height=\"22\" fill=\"white\"\/>\n                        <\/clipPath>\n                    <\/defs>\n                <\/svg>\n            <\/i>\n        <\/button>\n    <\/div>\n    <span class=\"was-this-helpful__taken-action fl-text-sm-bold\"><\/span>\n    <div class=\"was-this-helpful__feedback-container\">\n        <div class=\"was-this-helpful__choose-option-message\" role=\"status\">\n            <p class=\"was-this-helpful__choose-option-message-text\"><\/p>\n        <\/div>\n        <form class=\"was-this-helpful__feedback-form\">\n            <div class=\"was-this-helpful__feedback was-this-helpful__feedback--positive\">\n                <fieldset>\n                    <legend class=\"was-this-helpful__feedback-form-title\" tabindex=\"0\">Why was this helpful?<\/legend>\n                    <div class=\"fl-radio-button-field fl-flex was-this-helpful__feedback-form-title\">\n                        <input\n                                id=\"was-this-helpful__radio-button--understandable\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"positive-feedback\"\n                                value=\"Easy to understand\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--understandable\"\n                        >Easy to understand<\/label>\n                    <\/div>\n                    <div class=\"fl-radio-button-field fl-flex was-this-helpful__feedback-form-title\">\n                        <input\n                                id=\"was-this-helpful__radio-button--solved-problem\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"positive-feedback\"\n                                value=\"Solved my problem\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--solved-problem\"\n                        >Solved my problem<\/label>\n                    <\/div>\n                    <div class=\"fl-radio-button-field fl-flex was-this-helpful__feedback-form-title\">\n                        <input\n                                id=\"was-this-helpful__radio-button--other\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"positive-feedback\"\n                                value=\"Other\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--other\"\n                        >Other<\/label>\n                    <\/div>\n                <\/fieldset>\n            <\/div>\n            <div class=\"was-this-helpful__feedback was-this-helpful__feedback--negative\">\n                <fieldset>\n                    <legend class=\"was-this-helpful__feedback-form-title\" tabindex=\"0\">Why was this not helpful?<\/legend>\n                    <div class=\"was-this-helpful__choose-option-message\" role=\"status\">\n                        <p class=\"was-this-helpful__choose-option-message-text\"><\/p>\n                    <\/div>\n                    <div class=\"fl-radio-button-field fl-flex was-this-helpful__feedback-form-title\">\n                        <input\n                                id=\"was-this-helpful__radio-button--missing-info\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"negative-feedback\"\n                                value=\"Missing Information\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--missing-info\"\n                        >Missing the information I need<\/label>\n                    <\/div>\n                    <div class=\"fl-radio-button-field fl-flex was-this-helpful__feedback-form-title\">\n                        <input\n                                id=\"was-this-helpful__radio-button--complicated\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"negative-feedback\"\n                                value=\"Too complicated\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--complicated\"\n                        >Too complicated \/ too many steps<\/label>\n                    <\/div>\n                    <div class=\"fl-radio-button-field fl-flex was-this-helpful__feedback-form-title\">\n                        <input\n                                id=\"was-this-helpful__radio-button--dated\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"negative-feedback\"\n                                value=\"Out of date\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--dated\"\n                        >Out of date<\/label>\n                    <\/div>\n                    <div class=\"fl-radio-button-field fl-flex was-this-helpful__feedback-form-title\">\n                        <input\n                                id=\"was-this-helpful__radio-button--negative-other\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"negative-feedback\"\n                                value=\"Other\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--negative-other\"\n                        >Other<\/label>\n                    <\/div>\n                <\/fieldset>\n            <\/div>\n            <div class=\"was-this-helpful__form-buttons-container\">\n                <button\n                    class=\"was-this-helpful__feedback-button was-this-helpful__feedback-button--positive at-feedback-submit fl-button secondary\"\n                    type=\"submit\"\n                >\n                    <span class=\"fl-button-content\">Submit<\/span>\n                    <i\n                        class=\"fa fa-angle-right medium\"\n                        aria-hidden=\"true\"\n                    ><\/i>\n                <\/button>\n                <button\n                    class=\"was-this-helpful__feedback-button was-this-helpful__feedback-button--cancel fl-button primary disabled\"\n                    type=\"reset\"\n                >\n                    <span class=\"fl-button-content\">Cancel<\/span>\n                    <i\n                        class=\"fa fa-times-circle medium\"\n                        aria-hidden=\"true\"\n                    ><\/i>\n                <\/button>\n            <\/div>\n        <\/form>\n    <\/div>\n    <div class=\"was-this-helpful__thank-you-message\" role=\"status\">\n        <i class=\"was-this-helpful__thank-you-message-icon fa fa-check\"><\/i>\n        <p class=\"was-this-helpful__thank-you-message-text\" aria-live=\"polite\"><\/p>\n    <\/div>\n<\/div>\n\n\n    <\/div>\n    \n    <div class=\"fl-section-sidebar\">\n        \n<div class=\"email-subscription fl-mb30\">\n    <div class=\"email-subscription-header\">\n        <div class=\"email-subscription-header-content\">\n            <h3 class=\"fl-callout-sm fl-no-margin\">Stay Up-to-Date With How the Law Affects Your Life<\/h3>\n        <\/div>\n        <div class=\"email-subscription-header-image fl-flex fl-items-end\">\n            <img decoding=\"async\"\n                src=\"https://www.findlaw.com/static/c/images\/images\/w_1200,c_limit,dpr_auto\/f_auto,q_auto:eco\/v1745902396\/ability-law\/wp-prod\/general-components-subscribe-module-Image-subscribeModule_1\/general-components-subscribe-module-Image-subscribeModule_1.png?_i=AA\"\n                alt=\"\"\n                loading=\"lazy\"\n            \/>\n        <\/div>\n    <\/div>\n\n    <div class=\"email-subscription-content fl-flex fl-flex-wrap\">\n        <div class=\"email-subscription-content-text fl-mb25\">\n            <h4 class=\"fl-no-margin\">Enter your email address to subscribe<\/h4>\n        <\/div>\n\n        <form class=\"email-subscription-content-form\">\n            <input type=\"hidden\" name=\"distributionList\" value=\"latl\" \/>\n            <label for=\"email-subscription-content-form-group-input\" class=\"fl-text-sm-bold\">Email (Required)<\/label>\n            <div class=\"email-subscription-content-form-group\">\n                <input id=\"email-subscription-content-form-group-input\" name=\"email\" autocomplete=\"email\"\/>\n                <button type=\"submit\" aria-label=\"Submit\">\n                    <i class=\"fa fa-angle-right\" aria-hidden=\"true\"><\/i>\n                <\/button>\n            <\/div>\n            <p class=\"email-subscription-content-form-success subscribe-success-message fl-text-sm-bold\" aria-hidden=\"true\" role=\"status\">Thank you for subscribing!<\/p>\n            <p class=\"email-subscription-content-form-error subscribe-error-message fl-text-sm-bold\" role=\"alert\" aria-hidden=\"true\"><\/p>\n\n            <div id=\"email-subscription-content-form-recaptcha\" class=\"email-subscription-content-form-recaptcha subscribe-recaptcha\"\n                data-sitekey=\"0x4AAAAAAABGBEkK9kEeKxO-\"><\/div>\n        <\/form>\n\n        <div class=\"email-subscription-content-footer fl-text-sm\">\n            <p><a href=\"https:\/\/newsletters.findlaw.com\/\" target=\"_blank\" rel=\"noopener\">Learn more about FindLaw\u2019s newsletters<\/a>, including our terms of use and privacy policy.<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n<div class=\"general-list\">\n    <h3>Helpful Links<\/h3>\n    <ul class=\"fl-list fl-no-margin\">\n                                    <li class=\"fl-list-item fl-flex\">\n                    <i class=\"fa fa-angle-right medium\" aria-hidden=\"true\"><\/i>\n                    <a class=\"fl-list-item-link\" href=\"https:\/\/www.findlaw.com\/state.html\">\n                        Find Your State&#8217;s Laws\n                    <\/a>\n                <\/li>\n                                                <li class=\"fl-list-item fl-flex\">\n                    <i class=\"fa fa-angle-right medium\" aria-hidden=\"true\"><\/i>\n                    <a class=\"fl-list-item-link\" href=\"https:\/\/www.findlaw.com\/state\/all-topics.html\">\n                        View All State Law Topics\n                    <\/a>\n                <\/li>\n                                                <li class=\"fl-list-item fl-flex\">\n                    <i class=\"fa fa-angle-right medium\" aria-hidden=\"true\"><\/i>\n                    <a class=\"fl-list-item-link\" href=\"https:\/\/www.findlaw.com\/state\/statutes-of-limitations.html\">\n                        State Statutes of Limitations\n                    <\/a>\n                <\/li>\n                        <\/ul>\n<\/div>\n\n    <div class=\"popularDirectory\">\n        <div class=\"general-popular-directory \">\n            <div class=\"general-popular-directory-title\">\n                <h3>Popular Directory Searches<\/h3>\n            <\/div>\n            <ul>\n                                    <li><a href=\"https:\/\/lawyers.findlaw.com\/insurance-law\/\" target=\"_blank\" rel=\"noopener\">Insurance Lawyers<\/a><\/li>\n                                    <li><a href=\"https:\/\/lawyers.findlaw.com\/bad-faith-insurance\/\" target=\"_blank\" rel=\"noopener\">Bad Faith Insurance Lawyers<\/a><\/li>\n                                    <li><a href=\"https:\/\/lawyers.findlaw.com\/insurance-defense\/\" target=\"_blank\" rel=\"noopener\">Insurance Defense Lawyers<\/a><\/li>\n                                    <li><a href=\"https:\/\/lawyers.findlaw.com\/litigation-appeals\/\" target=\"_blank\" rel=\"noopener\">Litigation and Appeals Lawyers<\/a><\/li>\n                                    <li><a href=\"https:\/\/lawyers.findlaw.com\/consumer-protection\/\" target=\"_blank\" rel=\"noopener\">Consumer Protection Lawyers<\/a><\/li>\n                                    <li><a href=\"https:\/\/lawyers.findlaw.com\/personal-injury-plaintiff\/\" target=\"_blank\" rel=\"noopener\">Personal Injury Lawyers<\/a><\/li>\n                                    <li><a href=\"https:\/\/lawyers.findlaw.com\/products-liability-law\/\" target=\"_blank\" rel=\"noopener\">Products Liability Lawyers<\/a><\/li>\n                            <\/ul>\n        <\/div>\n    <\/div>\n\n\n    <\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>An overview of Indiana&#8217;s insurance fraud laws, including common schemes and possible penalties. <\/p>\n","protected":false},"author":41135,"featured_media":0,"parent":373177,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"app\/Http\/Controllers\/Templates\/ArticleWithBreadcrumbsController.php","meta":{"_acf_changed":false,"_stopmodifiedupdate":true,"_modified_date":"","_autodraft_ids":[],"_cloudinary_featured_overwrite":false,"_sb_is_suggestion_mode":false,"_sb_show_suggestion_boards":false,"_sb_show_comment_boards":false,"_sb_suggestion_history":"","_sb_update_block_changes":"","_is_real_time_mode":false,"_realtime_collaborators":"","footnotes":"","cf_checklist_status":[]},"categories":[2743],"tags":[],"state_laws_tags":[2911],"flmsa":[],"class_list":["post-373247","page","type-page","status-publish","hentry","category-state","state_laws_tags-statelaws_15_1"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/pages\/373247","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/users\/41135"}],"replies":[{"embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/comments?post=373247"}],"version-history":[{"count":0,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/pages\/373247\/revisions"}],"up":[{"embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/pages\/373177"}],"wp:attachment":[{"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/media?parent=373247"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/categories?post=373247"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/tags?post=373247"},{"taxonomy":"state_laws_tags","embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/state_laws_tags?post=373247"},{"taxonomy":"flmsa","embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/flmsa?post=373247"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}