Nevada Insurance Fraud Laws

Generally, insurance fraud occurs when an insured person files a false or exaggerated insurance claim. However, insurance fraud can also be committed on consumers via bogus insurance policies or underpaying valid claims. This article provides a brief overview of Nevada's insurance fraud laws.

Code Section

Nevada Code section 686A.2815: Insurance Fraud

What's Prohibited?

Knowingly and willfully:
  • Presenting any statement to an insurer while knowing that the statement conceals or omits facts, or contains false or misleading information about any fact material to an application for the issuance of an insurance policy
  • Presenting any statement in support of a payment or other benefit under an insurance policy, while knowing that the statement conceals or omits facts, or contains false or misleading information concerning any fact material to that claim
  • Assisting, abetting, soliciting, or conspiring with another person to present a misleading statement to an insurer for the issuance of a policy, a claim for payment, or another benefit under an insurance policy
  • Acting with the intent of defrauding or deceiving an insurer, to obtain an insurance policy or benefit under an insurance policy
  • As an insurance agent, acting to assist, conspire with, or urge another person to commit any act or omission specified in this section through deceit, misrepresentation, or other fraudulent means
  • Accepting any benefit under an insurance policy while knowing that the benefit is derived from any act or omission specified in this section, or
  • Participating in, aiding, abetting, conspiring to commit, soliciting another person to commit, or permitting an employee or agent to commit any act or omission specified in this section

Criminal Penalty for Insurance Fraud

A person who commits insurance fraud in Nevada is guilty of a category D felony, can face up to four years in prison, and may be ordered to pay a fine of up to $5,000. Additionally, the offender may also be ordered to pay restitution to the victim.

How to Report Insurance Fraud in Nevada

Insurance companies in Nevada are required by law to report suspicious insurance claims to the Insurance Fraud Unit (IFU). However, concerned citizens can also report potentially fraudulent activity to the IFU via their consumer complaints website.

Additional Resources

State laws change frequently. For case specific information regarding Nevada's insurance fraud laws contact a local criminal defense lawyer.

Next Steps: Search for a Local Attorney

Contact a qualified attorney.