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Nebraska Insurance Fraud Laws

The crime of insurance fraud typically occurs during the buying, using, or selling of insurance. Each state defines insurance fraud slightly differently. In Nebraska, the Nebraska Department of Insurance defines insurance fraud as any deliberate deception committed against, or by, an insurance company, insurance agent, or consumer for the purpose of unjustified financial gain.

Common examples of insurance fraud include:

  • Fake insurance policies
  • Insurers pocketing premiums and issuing fake policies
  • Arson-for-profit
  • Fraudulent claims
  • Exaggerated claims
  • Medical fraud
  • Slip & fall personal injury schemes

For more information about the various ways in which insurance fraud can be committed visit the Nebraska Department of Insurance's website. The following chart outlines Nebraska's main insurance fraud laws.

Code Section

Nebraska Revised Statutes section 44-6604: Fraudulent Insurance Acts

What's Prohibited?

A person or entity commits a fraudulent insurance act if he or she:
  • Knowingly and with intent to defraud, presents or prepares (or assists, abets, solicits, or conspires with another to present) a statement relating to an insurance claim that contains false, incomplete, or misleading information
  • Makes a false representation regarding the death or disability of a policy holder in order to obtain a benefit from an insurer
  • Knowingly and willfully transacts any contract that violates this section
  • Receives money for the purpose of purchasing insurance, but keeps the money for personal benefit
  • Willfully embezzles or converts funds or other property of an insurer
  • Knowingly and with the intent to defraud, possesses fake or counterfeit insurance policies, certificates of insurance, insurance identification cards, or insurance binders
  • Knowingly and with the intent to defraud, makes a false entry or statement to the Department of Insurance
  • Knowingly and with the intent to defraud removes or destroys assets or records of an insurer
  • Knowingly and with the intent to defraud provides false, incomplete, or misleading information to an insurer in order to reduce workers' compensation insurance coverage
  • Willfully operates or aids another in illegally operating a discount medical plan, or
  • Willfully collects membership fees for a discount medical plan but fails to provide the promised benefits


First violation: Fine of up to $5,000.

Second violation: Fine of up to $10,000.

Each subsequent violation: Fine of up to $15,000.

How Do I Report Insurance Fraud?

Suspected insurance fraud can be reported to the Nebraska Department of Insurance via the fraudulent claim referral form. Consumers can make a report by filing out the referral form and supplying documents or evidence that support their belief that the Nebraska Insurance Fraud Act may have been committed. Insurance companies have the option of reporting fraud via the referral form, or electronically via the National Insurance Crime Bureau.

Additional Resources

State laws change frequently. For case specific information about Nebraska's insurance fraud laws contact a local consumer protection lawyer or criminal defense attorney.

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