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Insurance Fraud MAIF Special Investigation Unit

Stop Insurance Fraud signOne person’s insurance fraud affects all policy holders.

Insurance fraud is a serious crime with serious consequences. Maryland Auto Insurance has created a Special Investigations Unit specifically to detect and deter insurance fraud for the protections of our drivers. Insurance fraud effects all of our policy holders causing premium rates to rise yearly. Our MAIF Special Investigation Unit is another way we help our customers maintain their affordable insurance premiums.

Insurance fraud could raise premiums up to $300, a year.


What Do I Do If Suspect Insurance Fraud

You can help fight insurance fraud. If you suspect fraud, contact local law enforcement, Maryland Auto Insurance Fund, or the National Insurance Crime Bureau.

  • NICB Hotline: 1-800-TEL-NICB
  • Maryland Auto Insurance Hotline: 1-800-500-0333

All Hotline Calls are Free and Anonymous.


What Counts as Insurance Fraud?

Many people don’t even realize that they are participating in insurance fraud. It’s important to understand that any false claim on your insurance is fraud. Insurance fraud is any act of dishonesty or misrepresentation when dealing with your insurance company. Insurance fraud is more than just false claims of injury or accident. Damaging insurance fraud can be as simple as lying about the mileage you drive each year on your vehicle, or including existing damage when reporting a claim. All of these small lies add up creating higher premiums for you and other consumers. From incorrectly reporting your yearly mileage to faking an injury in an accident, insurance fraud hurts everyone.

Insurance fraud includes:

  • Faking an automobile accident
  • Faking or exaggerating injuries sustained in an accident
  • Giving the insurance company a fake address to get a lower premium
  • Including existing damage when reporting an accident claim
  • Withholding information about your driving record
  • Falsely reporting a loss or theft of a vehicle
  • Under reporting mileage driven a year for lower premium

Reporting suspected insurance fraud is everyone’s responsibility. If you suspect someone you know, or someone you have been involved in an accident with, is committing insurance fraud be sure to contact the appropriate authorities or the insurance fraud hotline.

Contact An Agent To Avoid Fraud

If you have any questions about applying for insurance correctly, make sure you contact a Maryland Auto Insurance Fund Agent. All of our agents are experts in insurance, and will help you get the appropriate coverage for your vehicles within your budget. Don’t forget to ask your agent about payment plans, and other benefits of MAIF.