When a person makes a false claim to an insurance company, it makes everyone’s insurance rates go up. Making a claim for an item that was supposedly lost or stolen, but wasn’t, or trying to get a ski vacation injury covered by your workers’ compensation, for example, is insurance fraud. Insurance fraud manifests itself in many ways. Minnesota prohibits most offenses related to insurance fraud.
The following table details Minnesota’s insurance fraud laws.
|Code Section||Minnesota Statutes Section 609.611 – Insurance Fraud|
|What Is Prohibited?||Under Minnesota insurance fraud laws, individuals are prohibited from doing any of the following with the intent to defraud anyone for financial or other gain:
|Penalties||Minnesota penalizes insurance fraud based on either the value of the property, services, or other benefit wrongfully obtained or attempted to obtained or the economic loss suffered by any person from the crime (whichever is greater). Once that value is calculated, the penalty is based on the theft statute sentences.
Also, defendants will be ordered to pay back persons harmed by the insurance fraud, called restitution. Restitution is generally ordered in addition to fine and imprisonment, not in lieu of either.
|Insurance Fraud Enforcement||If you suspect someone is committing insurance fraud or workers’ compensation related fraud in Minnesota, you can call the Minnesota Department of Commerce’s Fraud Tip Line at 1-888-FRAUD MN (1-888-372-8366).|
Note: State laws change regularly. It’s important to verify the laws you’re researching by conducting your own legal research or consulting with an experienced Minnesota insurance law or criminal defense attorney.
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