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Insurance Fraud involves acts committed with an intent to fraudulently obtain payment from an insurer. It can range from embellishing claims to staging accidents or injuries. Insurance Fraud is a serious offense in Phoenix, Arizona, and the United States at large. In Arizona, Insurance Fraud is categorized as a class 6 felony, which comes with severe penalties including imprisonment and hefty fines.
If you're facing accusations or charges of Insurance Fraud, you will likely require the services of a skilled and experienced attorney. Whether you've been unjustly accused or you mistakenly committed a fraudulent act, a lawyer can help you navigate the complex legal processes. Pursuing a legal claim against someone who has committed Insurance Fraud can also be a complex task, therefore, having legal expertise on your side can be extremely beneficial.
In Phoenix, the Arizona Department of Insurance Fraud Division prosecutes Insurance Fraud cases. According to Arizona Revised Statutes (ARS 20-463), any individual who presents any written statement as part of, or in support of; an application for insurance, a claim for payment, benefits; an application to renew, increase, decrease or terminate an insurance policy, knowing this statement contains false, incomplete or misleading information concerning any fact or thing material to such statement is guilty of a crime. The offender can serve up to 1.5 years in prison or pay fines up to $150,000.
Insurance Fraud is a broad term that encapsulates a variety of fraudulent activities such as staging an accident, inflating insurance claims, submitting claims for damages or injuries that never occurred, or misrepresenting facts on an insurance application.
Most cases of Insurance Fraud involve an intent to deceive. However, the line can sometimes be unclear, and it's possible for policyholders to unintentionally commit fraud. If you're unsure about whether you've committed Insurance Fraud, contacting a Phoenix attorney would be advisable.
Insurance Fraud is a Class 6 felony in Phoenix and can result in a prison sentence of up to 1.5 years and fines of up to $150,000 along with the restitution of monies obtained fraudulently.
If you suspect Insurance Fraud, report it to your insurance company or the Arizona Department of Insurance's Fraud Division. Safekeeping any tangible evidence of fraud and consulting with a lawyer can also prove beneficial.
Common defenses in Insurance Fraud cases often include proving lack of intent to commit the fraud, proving factual innocence, or questioning the validity of the evidence presented. Consulting with a defense lawyer can uncover the best strategies for your specific case.
The Arizona Department of Insurance and Financial Institutions provides key resources on insurance fraud and supervises insurers in the state. Additionally, groups such as the National Insurance Crime Bureau (NICB) provide informative overviews of insurance fraud and related issues.
If you suspect you're a victim of Insurance Fraud or are accused of committing Insurance Fraud, your next steps could be crucial. Consult with a lawyer who specializes in Insurance Fraud immediately. He or she can provide relevant advice, explain potential outcomes, and prepare a suitable defense or claim on your behalf. Remember, time is crucial in these cases, so act promptly.
