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Connecticut Insurance Fraud Laws

In Connecticut, there are several laws that prohibit insurance fraud. Insurance fraud consists of intentionally providing false or misleading material information or omitting material information in order to receive insurance money or benefits for oneself or another person. This is a quick summary of Connecticut insurance fraud laws, including potential penalties for a conviction and instructions on how to file a complaint.

Connecticut Insurance Fraud Laws

The following table outlines insurance fraud laws in Connecticut.

Code Sections

CONN. GEN. STAT §§ 53a-215, 38a-287, 53-442

What is Prohibited?

Applying for an insurance policy or claim and knowingly providing false, incomplete, deceptive or misleading information (in writing or orally) or knowingly omitting information which is material to a claim or application with the intent of deceiving or defrauding the health insurer of money or benefits, assisting, soliciting, or conspiring with another person to do any of the above, or obtaining or attempting to obtain money from a life or accident insurance policy by falsely or fraudulently representing that the insured is dead or injured or by filing a policy under a fictitious person.

The policy or claim can be for oneself, a family member or a third party.


Insurance fraud is a Class D felony punishable by up to 5 years in prison and up to $5,000 in fines.

For life or accident insurance policies, the maximum prison term is 10 years if the money fraudulently obtained was $2,000 or more. If the money fraudulently obtained was less than $2,000, the maximum penalties are 1 year in prison and $10,000 in fines.

Health insurance fraud is subject to penalties for larceny and each act is a separate offense. In addition to fines and imprisonment, the person must pay back the insurer the value of the benefits received as well as reasonable attorneys' fees and investigation costs.

How do I File a Complaint Against a Connecticut Insurance Company?

If you are having problems with an insurance company or agent, a complaint may be filed with the Connecticut Insurance Department.

Connecticut Insurance Fraud Law: Related Resources

Insurance fraud laws can sometimes be complicated. It may be a good idea to consult an experienced Connecticut criminal defense attorney if you have questions about your specific situation. You can also visit FindLaw's section on insurance fraud for more general information.

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