Insurance Fraud

COMMON REASONS WHY PEOPLE COMMIT INSURANCE FRAUD

  • It is perceived as a victimless crime against a faceless insurance company.
  • People believe they will not get caught.
  • Insurance fraud is seen as a quick and easy way to make money.
  • Insurance is obtained after the loss occurred.

WHAT IS INSURANCE FRAUD?

Insurance fraud occurs when a person mispresents or conceals facts when filing an insurance claim or submits a policy application.

The Insurance Fraud Branch does not have jurisdiction over workers compensation fraud. See Hawaii Revised Statutes § 431:2-403.

INSURANCE FRAUD PENALTIES

A person who commits insurance fraud can be charged with a:

  • Class B felony – if the value of the benefits, recovery, or compensation obtained or attempted to be obtained is more than $20,000.
  • Class C felony – if the value of the benefits, recovery, or compensation obtained or attempted to be obtained is more than $750.
  • Misdemeanor – if the value of the benefits, recovery, or compensation obtained or attempted to be obtained is less than $750.

Report suspected insurance fraud here:

Report suspected fraud

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