Last reviewed: June 1, 2026 · Written by James Carter, Consumer Rights Researcher · Independent resource — not a government site
Report insurance fraud to your state Department of Insurance fraud division at naic.org/state_web_map.htm. For Medicare or Medicaid fraud call HHS OIG at 1-800-447-8477. Reports can be anonymous and rewards may be available.
Quick answer: Report insurance fraud to your state’s Department of Insurance fraud division — find yours at naic.org/state_web_map.htm. For health insurance fraud involving Medicare or Medicaid, contact HHS OIG at 1-800-447-8477. Most states also have dedicated fraud hotlines and offer rewards for tips.
Insurance fraud costs the U.S. over $308 billion per year, and it overlaps with many common scams. For guidance on spotting advance-fee fraud and other schemes, visit ScamReporting.org. — and every American pays for it through higher premiums. It includes staged car accidents, fake injury claims, arson for insurance money, inflated repair estimates, and health providers billing for services never rendered. Reporting it is free, usually anonymous, and many states offer cash rewards for tips that lead to convictions.
Types of Insurance Fraud You Can Report
Insurance fraud falls into two categories. Hard fraud involves deliberately staging events — fake accidents, arson, fake theft, or filing claims for injuries that never happened. Soft fraud involves exaggerating legitimate claims — inflating repair costs, adding items to a theft claim, or misrepresenting a pre-existing injury. Both are criminal offences. You can report either type.
Where to Report Insurance Fraud
| Type of Fraud | Agency | Contact |
|---|---|---|
| Auto, home, life insurance fraud | State Insurance Department | naic.org/state_web_map.htm |
| Health insurance fraud | State Insurance Dept + HHS OIG | 1-800-447-8477 |
| Medicare / Medicaid fraud | HHS OIG | oig.hhs.gov |
| Workers compensation fraud | State Workers Comp Board | Varies by state |
| Staged auto accidents | NICB + local police | nicb.org | 1-800-835-6422 |
| Your own insurance company fraud | State Insurance Commissioner | naic.org |
How to Report Insurance Fraud Step by Step
- Identify the type of fraud and gather evidence. Note specific details — names, dates, policy numbers, vehicle information, witness names, and any documentation you have. The more specific your report, the more actionable it is for investigators.
- Report to your state Department of Insurance. Every state has an insurance fraud division. Go to naic.org/state_web_map.htm to find your state’s department. Most have online reporting forms and anonymous tip lines.
- Contact the National Insurance Crime Bureau (NICB) for auto fraud. The NICB is the industry’s primary fraud investigation organisation. Report staged accidents, VIN fraud, and auto theft fraud at nicb.org or call 1-800-TEL-NICB (1-800-835-6422). Anonymous tips accepted.
- Report to the insurance company directly. Every major insurer has a Special Investigations Unit (SIU). If you witness fraud against an insurer — or by an insurer — contact their SIU directly through the company’s website.
- Report health insurance fraud to HHS OIG. For fraud involving Medicare, Medicaid, or federally regulated health plans, file at oig.hhs.gov/fraud/report-fraud or call 1-800-HHS-TIPS (1-800-447-8477).
- File a police report for criminal fraud. Staged accidents, arson, and faked injuries are criminal matters. File a police report with your local department — investigators can access accident reports, medical records, and surveillance footage that you cannot.
- Check for reward programmes. Many state fraud bureaus and the NICB offer cash rewards for tips that lead to arrests or convictions. Ask specifically about reward eligibility when you file your report.
- Document your own claim carefully if you are a victim. If someone is committing fraud that affects your policy (staged accident with you, fraudulent claim against your business), document everything and notify your own insurer’s SIU immediately.
State-Specific Insurance Fraud Reporting
In California, report to the California Department of Insurance fraud division at insurance.ca.gov — California offers rewards up to $10,000 for tips. In Florida, contact the Florida Division of Insurance Fraud at myfloridacfo.com/division/dif — Florida has one of the highest rates of insurance fraud in the U.S. In New York, report to the NY Department of Financial Services at dfs.ny.gov. In Texas, contact the Texas Department of Insurance at tdi.texas.gov/fraud.
Frequently Asked Questions
For related guides see: How to Report Medicare Fraud, How to Report Someone to the IRS, and our Fraud & Scams Reporting Hub.