What is Insurance Fraud?

Insurance Fraud is a crime that victimizes every resident of New York State, costing consumers millions of dollars in the form of increased premiums and higher prices for goods and services. The exact cost of insurance fraud is difficult to estimate because much of it goes unreported.

Insurance Fraud takes many forms

  • A driver and a body shop worker agree to inflate the auto damage claim and share the "profit."
  • A homeowner falsely claims that his home was burglarized and valuable items stolen.
  • A doctor bills an insurer for services that were not provided.
  • A driver stages a fake accident, and unscrupulous doctors and lawyers help "handle" associated medical claims and lawsuits.
  • A worker collects workers’ compensation benefits while employed.

Fraud vs. Consumer Complaint

Do not confuse the crime of insurance fraud with a dispute that you may have with an insurance company, for example, delays in customer payment, monetary disputes, policy cancellations and non-renewals. Visit our complaint section to file a complaint against a financial institution or submit an inquiry not involving insurance fraud

How To Report Suspected Insurance Fraud

If you suspect that insurance fraud has been committed, you should report it to DFS.  The matter will be kept confidential. 

Note: This form is for the general public only.  If you are an insurer, submit fraud reports using the Frauds Case Management System (FCMS).

The public can report fraud in the following ways:

  • By Phone: Call our Insurance Fraud Hotline: (888) FRAUDNY  |  (888) 372-8369
  • Online: Use our Report Insurance Fraud submission form to report a suspected fraud to DFS.
  • By mail: Print, complete and mail the Report Fraud Form (PDF) to:
    New York State Department of Financial Services
    Insurance Frauds Bureau
    One State Street, New York, NY 10004
  • By fax: Print, complete and fax the Report Fraud Form (PDF) to: (212) 709-3555