Insurance Frauds Forum

Insurance fraud is committed (or attempted) by persons against insurance companies (or in an attempt to collect on a claim against a person who is "self-insured" [unisured = self insured]).

Insurance companies can and do commit unlawful acts against policyowners and claimants who file claims. But those acts are not "insurance fraud", they are "unfair acts or practices" defined in a state's insurance code, commissioner's regulations, or other state statutes.

If you are driving with no insurance and cause an accident, can you go home and sign up for insurance that same day, so you will be covered for the accident? the effective date of the new policy will be the same as the date of the accident, so you should be good, right?

Or what if you have a rock hit your windshield and cause it to crack, but have no insurance? Can you sign up a few days later, then make a claim? how will the insurance company know when the crack occurred?

To those who don't think making a complaint to the state Department of Insurance has any effect, please read on. One insurance company (doing business under two names) was the subject of a "market conduct" examination (having previously been fined for similar market conduct violations five years prior). When examiners looked at 596 random claim files, they found 661 assorted violations. What would they have found if they examined 100% of the claim files?

Market conduct exams happen about every five years, or more often if enough complaints are received by the regulators.

I had a homeowners policy changed from Farmers to SF because all of my other things ae with SF I.E. boat 4 cars another home and so on. I took the deck page from farmers layed it on the the laydies desk with whom we have been with for over 25 years and trusted her ( my bad ) trust never use that with Insurace again , all she had to do was give me the same coverage that i had with the other company what does she do but write me up as a renter now we have lost everything and all they can say was that she done this for my own good . well she has good coverage maybe i shold write her policy.

a couple of months ago i purchased an insurance for a cell phone it insures if its stolen or damaged but not if you lose it. the company is called mobile device protection association this is what it states "# Negligent loss, Unexplained disappearance or loss due to voluntary surrender to a third party such as leaving your phone unattended or unsecured. and i said phone was stolen but they is was do to unsecured and negligence loss. the story is this "My brother Alberto Saravia, the user of the cell phone, was playing soccer with my dad in Zalud Park in Porterville, California.

:( Good morning. This is my case. The household size two people, a college student and a parent who just lost its job after many years.

I found this article online:"Car insurance policies provide the required protection you look for your car.

Any responsible individual who owns a car must have car insurance coverage.

Accidents happen suddenly and when they do happen you must be financially supported. This is when a policy plays an important part.

i have purchased an insurance that says we will replace or repair your device hassle free. i have sent a letter to them describing how the loss of the phone occurred i told them... "My brother Alberto Saravia, the user of the cell phone, was playing soccer with my dad in Zalud Park in Porterville, California. He put his cell phone in a gym bag along with my dad's eye glasses, tennis balls and other personal things. They were very close to the bag, approximately 50 feet distance. While they were playing, somebody stole his cellular.

It's a very busy day for the press release writers at the CA Dept of Insurance today:

NEWS RELEASE

Commissioner Poizner Announces Six Sacramento Residents
Charged with Insurance Fraud After Torching Vehicle
to Cash In On Insurance Claim

Hot off the CA Dept of Insurance News Wire:

NEWS RELEASE
Commissioner Poizner Announces Contra Costa County Man Charged with
Operating Ponzi Scheme, Cheating Victims Out of Nearly One Million Dollars

From the CA Dept of Insurance July 7, 2010:

Insurance Commissioner Poizner today announced the arrest of Mohammad Shablid, 48, of San Jose, for allegedly falsely six separate insurance claims for preexisting damage to his vehicles.

"When you lie to your insurance company, you commit insurance fraud," said Commissioner Poizner. "Committing insurance fraud is never worth the legal trouble, fines and possible jail time you will face."