Fraud Multimedia
What does insurance fraud look like?
The videos below show examples of common types of insurance fraud. You may have friends, acquaintances, or even family members approach you about helping them commit fraud.
Insurance fraud is a criminal act.
If someone approaches you to help them defraud an insurance company, just say no. If you suspect they have gone ahead with their plan, report it to us.
Transcript:
Man 1: "Man, bad news about your car getting nailed."
Man 2: "Not really. The insurance company will take care of all that and then some."
Man 1: "What do you mean?"
Man 2: "I'm going to get a big fat check out of this. Told my doctor, my lawyer I got hurt."
Man 1: "You weren't even in the car when it was hit."
Man 2: "Well, the insurance company doesn't need to know that, do they?"
Narrator: Lying on an insurance claim is insurance fraud. It's a crime. Man, you're just asking for trouble. Who pays for insurance fraud? You do.
Transcript:
Woman: "I can't believe this happened. Hello. Yes, I'd like to apply for auto insurance."
Narrator: If you're having a bad day, lying to your insurance company will just make it worse.
Woman: "No, I haven't had any accidents. They put me on hold. Are you sure this will work?"
Man: "Yeah, just call them next week and tell me about an accident."
Narrator: Lying about an accident is insurance fraud, and we're cracking down on cheaters who commit this crime. Who pays for insurance fraud? You do.
Transcript:
Man 1: "Yeah, they broke in and stole my laptop, stereo, TV."
Man 2: "Your insurance covers that, right?"
Man 1: "Yeah. And thanks to my insurance company, we'll be watching all the big games on a new 46 inch screen."
Man 2: "How's that?"
Man 1: "Well, that's what I'm going to claim was stolen."
Man 2: "Man that's insurance fraud. That…that's serious stuff."
Man 1: "Come on. Who's going to know?"
Narrator: Lying on an insurance claim is insurance fraud. And we're cracking down on cheaters who commit this crime. Who pays for insurance fraud? You do.
Transcript:
Woman (on telephone): "I just told my boss I got married. No, no. Steve's still my boyfriend, but if he's on my health plan here at work, he'll cover his doctor bills. Yeah, I fudged it a little, but who's going to know? While I'm here, I'll get what I can. So, anyway, we need to plan that beach trip."
Narrator: Making a bogus claim using false information is insurance fraud, and we're cracking down on cheaters who commit this crime. Who pays for insurance fraud? You do.
Transcript:
Man 1: "Hey, I see you got everything fixed from that storm."
Man 2: "Oh, I got it all right. Contractor said I had hail damage and my insurance would pay for everything. I'd even get my deductible back."
Man 1: "Are you allowed to do that?"
Narrator: Watch out for home repair deals that seem too good to be true. These might be insurance fraud.
Man 2: "Turns out he did extra damage to my roof, then lied to my insurance company. He's been arrested. And he stiffed his supplier, so now they're coming after me for the money."
Narrator: Insurance fraud, the crime you pay for.
Transcript:
Woman: "So, what did you do with the car?"
Man: "Look, we wanted to get out from under the payments. Now, it's all taken care of. I told the police and the insurance guy it was stolen."
Woman: "What?"
Man: "Yeah. Now, the insurance policy will cover the rest of the payments."
Woman: "But that's insurance fraud. You can go to jail for that."
(phone rings)
Narrator: Lying about an auto claim is insurance fraud. It's a crime.
(Woman answers)
Woman: "The police found the car. They want to talk to you."
Narrator: And we're cracking down on those who commit it. Who pays for insurance fraud? You do.
Transcript:
Woman 1: "Now, a couple of routine things before we can hire you. A background check…"
Woman 2: "I should tell you there's something on my record. I got mixed up in a fake auto accident. We lied to the insurance company about being injured. It's over with now."
Woman 1: "But you were convicted?"
Woman 2: "I paid a fine and got probation."
Woman 1: "Well, I'll have to pass this on to HR.
Narrator: Insurance fraud is a crime. Once you're convicted, it's on your record. It follows you everywhere.
Woman 1: "We'll be in touch."
Narrator: Who pays for insurance fraud? You do.
Transcript:
Man 1: "What's up?"
Man 2: "I know you've got a warehouse full of shipments to get out, but Mitchell injured his back pretty bad. Says he can barely move."
Man 1: "Yeah, I heard he got knocked around in a pickup game on Saturday. Ended up in the ER."
Man 2: "Really? He told me he injured his back Friday on the loading dock."
Man 1: "Oh. Uh, maybe I heard wrong."
Narrator: Lying about your workers's comp claim is insurance fraud, and we're cracking down on cheaters who commit this crime. Who pays for insurance fraud? You do.