What is (and isn't) fraud?
What isn’t fraud?
Good question! Here are some actions that usually aren’t insurance fraud:
- Good-faith disagreement between an insurance company and consumer about a claim; and
- Decision by an insurer to decline your application, or not renew your coverage.
If you have a good-faith difference about a claim or other insurer decision, here are several actions you can take:
- Know your policy well — what it does and doesn’t cover.
- Contact your insurance agent, who may be able to help resolve your questions. Provide the evidence of your difference with the insurer. Include the policy or claim number, date of loss and other relevant facts. Also include any documentation.
- If you don’t have an agent, contact your insurer’s complaint department.
- If you aren’t satisfied by the insurer’s response, contact your state insurance department. Provide full documentation. Each insurance department will have a hotline, website contact form or other way to file your complaint
