Best Insurance Fraud Lawyers in New Hampshire

About Insurance Fraud Law in New Hampshire, United States

Insurance fraud is a serious crime in New Hampshire and is defined as any act committed with the intent to obtain improper payment from an insurance process. This can occur in many forms, such as submitting false claims, exaggerating the value of losses, or intentionally causing damage to collect insurance money. Both individuals and businesses can be affected by insurance fraud, and being accused or victimized by this crime can have significant legal and financial consequences.

In New Hampshire, insurance fraud not only threatens the integrity of insurers but also increases costs for honest policyholders. Law enforcement and state agencies actively investigate and prosecute fraudulent activities to maintain fairness in the insurance market.

Why You May Need a Lawyer

Legal issues involving insurance fraud can be complex and have far-reaching consequences. There are many scenarios in which a person may need legal assistance:

• Being investigated by an insurance company or authorities for suspected fraud
• Facing criminal charges for insurance fraud
• Receiving a denial of a legitimate insurance claim based on allegations of fraud
• Needing to report suspected fraud by another party
• Being involved in a lawsuit or hearing involving insurance companies or other parties
• Seeking to recover compensation from being a victim of insurance fraud

A qualified lawyer can clarify your rights, help you build a strong defense, protect you from self-incrimination, and navigate the legal process.

Local Laws Overview

New Hampshire has implemented specific statutes and regulations addressing insurance fraud:

• Under New Hampshire Revised Statutes Annotated (RSA) 638:20, insurance fraud is categorized as a felony when the amount involved exceeds 1,000 dollars, and as a misdemeanor for amounts below this threshold.
• The state defines insurance fraud as knowingly and with the intent to defraud, presenting false, incomplete, or misleading information about any fact material to an insurance claim, benefit, payment, or application.
• The New Hampshire Insurance Department and law enforcement agencies have dedicated units for investigating suspected insurance fraud.
• Convictions may result in imprisonment, fines, restitution, and a criminal record. Civil penalties and denial of insurance benefits may also ensue.
• Insurance companies are required to report suspected fraud to regulatory agencies, which then may trigger investigations and criminal proceedings.

Frequently Asked Questions

What exactly is considered insurance fraud in New Hampshire?

Insurance fraud occurs when someone knowingly provides false or misleading information to an insurer with the intent to receive undeserved benefits. This can include lying on an insurance application, filing inflated or fake claims, or intentionally causing damage for financial gain.

How do authorities investigate insurance fraud?

Authorities use methods such as interviews, forensic analysis, review of documents, surveillance, and working with the New Hampshire Insurance Department's fraud unit. Insurance companies must report suspicious activity, which often prompts these investigations.

What are the penalties for insurance fraud in New Hampshire?

Penalties vary based on the amount of money involved. For losses over 1,000 dollars, it can be a felony, leading to prison time, significant fines, and restitution. Misdemeanors are charged for lower amounts but still carry criminal penalties.

If I am accused of insurance fraud, what should I do?

You should contact a qualified criminal defense attorney immediately. Do not make statements to insurance investigators or law enforcement without legal representation.

Can a denied claim be a sign I am being accused of fraud?

Yes, sometimes insurance companies may deny claims citing suspected fraud. If this happens, consult a lawyer promptly, as your rights and reputation could be at risk.

What if I suspect someone of committing insurance fraud?

You can report suspected fraud to the New Hampshire Insurance Department’s Fraud Unit, your local law enforcement, or directly to the insurance company involved.

Can insurance fraud charges affect my employment?

Yes, a criminal record for insurance fraud can impact employment prospects, professional licenses, and your ability to work in certain industries such as finance or healthcare.

How long can authorities wait to bring charges for insurance fraud?

Insurance fraud generally falls under the category of fraud offenses in New Hampshire, which typically have a statute of limitations of six years, but this can depend on the nature of the alleged offense.

Is it possible to resolve an insurance fraud case without going to trial?

Yes, many cases are resolved through plea bargains or negotiated settlements, especially if you are represented by experienced legal counsel.

Will I have to pay back any money if convicted?

Yes, restitution is a common penalty. Courts often order those convicted of insurance fraud to repay any ill-gotten gains or compensation received through fraudulent activity.

Additional Resources

If you need more information or want to report insurance fraud, consider contacting the following organizations:

• New Hampshire Insurance Department - Fraud Unit: Handles consumer complaints, investigates insurance fraud, and provides informational resources.
• New Hampshire Attorney General’s Office: May prosecute insurance fraud criminal cases.
• Local law enforcement agencies: For reporting alleged fraud or seeking protection against false allegations.
• Nonprofit organizations such as the National Insurance Crime Bureau (NICB) offer educational materials on preventing and identifying insurance fraud.

Next Steps

If you are facing an insurance fraud issue or accusation in New Hampshire, here are practical steps to take:

• Do not discuss the case or allegations with anyone except your lawyer.
• Gather and secure any documents, correspondence, or evidence relevant to your insurance claim or case.
• Seek legal consultation from a lawyer experienced in New Hampshire insurance fraud cases. Many attorneys offer initial consultations where you can discuss your situation confidentially.
• If you are a victim or witness, report your concerns to the appropriate state agency or law enforcement.
• Stay proactive and informed throughout the legal process to protect your rights and interests.

Taking timely and informed action with the help of skilled legal counsel is the best way to protect your future when dealing with insurance fraud matters in New Hampshire.