Insurance fraud is crime that affects everyone and costs Americans at least $80 billion a year, or nearly $950 for each family. Insurance fraud pushes up the cost of everything you buy and use. How? Consider the following scenario: Every company providing goods or services pays for insurance as a cost of doing business. As a result of insurance fraud, the insurance company must raise rates. To cover the increased cost of insurance, the company must charge you more for goods and services. Bottom line – insurance fraud makes everything more expensive for everybody. Insurance fraud is not simply a problem for insurance companies, it’s a problem for all of us – everybody loses and everybody pays. Insurance fraud also diverts resources from law enforcement and fire services.
A consumer looking to report suspected fraud against an insurance company to the Iowa Insurance Division's Fraud Bureau can do so by filling out this online form. If you would prefer to complete a paper insurance fraud complaint form, please print and mail in this form.
Insurance companies are required to report suspected insurance fraud to the Iowa Insurance Division's Fraud Bureau. Iowa Code section 507E outlines the requirements regarding insurance fraud. Suspected fraud can be reported to the Iowa Insurance Division's Fraud Bureau through the National Association of Insurance Commissioner's (NAIC) online fraud reporting system (OFRS). If an insurance company is unable to complete the online form, a paper insurance fraud complaint form may be completed and mailed in to the Iowa Insurance Division.
The Iowa Insurance Division's Fraud Bureau maintains a list of fraud contact persons for each insurance company. Use this form to report or update your insurance company's fraud contact information.
If you need assistance, please contact the Iowa Insurance Division.