Insurance Fraud Lawyers
We Take Cases in the Greater Connecticut Area
Fraud schemes impact the lives of Americans every day. Insurance fraud happens when an individual deceives an insurance company in order to collect money they’re not entitled to. Depending on the extent of the deception committed, insurance fraud can be treated as a misdemeanor or felony. Fraud can be committed by insurance companies as well. Sometimes, insurers will deny legitimate claims made by their policyholders.
What Is Considered a “False” or “Misleading” Claim?
Not telling the truth isn’t enough to be charged with fraud. A defendant must knowingly make a false or misleading statement. This means the individual intends to make the statement and is aware it is false. The statement must be in support of, in opposition to, or in connection with a claim or payment made under an insurance policy. This also includes false or exaggerated claims made to physicians connected to your claim, or false statements provided by medical providers about the services they performed. To be considered fraud, the misleading statement must be important to the insurance payment or claim. Lies not directly related to payments or benefits are not usually considered fraud because they have no actual bearing on the outcome of the investigation.
Types of Insurance Fraud
- Healthcare Claims: Medical providers, such as doctors or dentists, sometimes submit claims to an insurance provider for procedures they didn’t perform.
- Automobile Claims: To get a larger payment, a person might claim that the damage from an accident is greater than it actually is.
- Property Claims: Usually includes an exaggeration about the severity of damage incurred from a legitimate loss.
- Life Claims: Some people will attempt to obtain life insurance payments by fabricating their death, or the death of another person.
Consequences of Insurance Fraud
Insurance fraud is separated into 2 categories, soft fraud and hard fraud.
- Soft Fraud: Happens when a person exaggerates an existing claim. It is usually treated as a misdemeanor and can result in fines, jail time, community service, and probation.
- Hard Fraud: Occurs when a person causes or fabricates a loss for the purpose of obtaining insurance payments. This type of fraud is a felony and is punishable by incarceration for a number of years.
Our Connecticut Insurance Fraud Attorneys Can Help You
Have you been charged with insurance fraud? Do you suspect your insurance company is misleading you about an existing claim? We can help. At Carter Mario Injury Lawyers, we are committed to fighting for our client’s legal rights.