Insurance fraud is crime that affects you. Insurance fraud costs Americans at least $80 billion a year, or nearly $950 for each family.

Insurance fraud pushes up the cost of everything you buy and use. How? Consider the following scenario.

Every company providing goods or services pays for insurance as a cost of doing business. As a result of insurance fraud – the insurance company must raise rates. To cover the increased cost of insurance, the company must charge you more for goods and services. Bottom line – insurance fraud makes everything more expensive for everybody. Insurance fraud is not simply a problem for insurance companies, it’s a problem for all of us – everybody loses and everybody pays.

The Insurance Fraud Investigation Bureau confronts the problem of insurance fraud through the prevention, investigation, and prosecution of fraudulent insurance acts in an effort to reduce the amount of premium dollars used to pay fraudulent claims. In 2006 the Fraud Bureau received 381 fraud referrals from insurance companies, law enforcement agencies, and the public. The associated dollar amount with these referrals is $6,024,429.*

* This dollar loss is only a small portion of the reported insurance fraud in Iowa. Most insurance companies do not report the dollars they lose with the referral information.

 Uniform Suspected Insurance Fraud Reporting Form (for Insurance Company use) (Word document) (Adobe PDF)
Instructions for completing the form (Word document) (Adobe PDF)
Insurance companies are required to report suspected insurance fraud to the fraud bureau. This requirement is found in Iowa Code Chapter 507E.6.

 Suspected Insurance Fraud Reporting Form (for Public use) (Word document) (Adobe PDF)
The public or other government agencies are welcome to make a referral to the fraud bureau using the public referral form.

 Insurance Company Fraud Contact Update Form 
(Word document) (Adobe PDF)
The Iowa Insurance Fraud Bureau maintains a list of fraud contact persons for each insurance company. It is necessary for the bureau to keep this information current so that law changes, announcements, etc. regarding insurance fraud will be sent to the appropriate person. Use this form to report or update your company's fraud contact information.

 The Fraud Alerts System – an electronic warning system available to insurance companies

 Helpful Links – Fraud Bureau/Anti-Fraud Organizations

Downloadable Insurance Fraud Poster suitable to posting in businesses!
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Iowa Insurance Fraud Act