Insurance Fraud in New Jersey: What It Is and Who Investigates It

What Is Insurance Fraud?

Insurance fraud occurs when an individual deliberately provides false information or omits crucial details to obtain insurance coverage or benefits fraudulently. In New Jersey, this is a serious criminal offense, with strict laws in place to prevent and punish fraudulent activities related to insurance claims. If you or a loved one is being investigated for insurance fraud, you need to immediately contact an experienced criminal defense attorney in New Jersey.

The New Jersey Department of Banking and Insurance (DOBI) and the Office of the Insurance Fraud Prosecutor (OIFP) are the two primary agencies responsible for investigating and prosecuting insurance fraud in the State of New Jersey. While DOBI handles administrative actions, OIFP focuses on criminal prosecutions. These agencies work closely with insurance companies and utilize evidence such as documents, phone records, and recorded calls to build cases against individuals suspected of fraud.

New Jersey’s insurance fraud laws are outlined in N.J.S.A. 17:33A and N.J.S.A. 2C:21-4.4, which were heavily influenced by insurance industry lobbyists. These statutes define a broad range of fraudulent activities and impose severe penalties to deter fraud and protect insurance providers.

What Should You Do If You Receive a Letter About Insurance Fraud in New Jersey?

If you receive a letter or phone call from DOBI, OIFP, or a County Prosecutor’s Office regarding potential insurance fraud, it is crucial to understand that these agencies are actively investigating you.

Steps to Take Immediately:

• Do Not Respond Without Legal Counsel– Anything you say can be used against you.
• Understand That an Investigation Is Likely Well-Developed – Authorities typically have collected substantial evidence before reaching out.
• Seek an Experienced Fraud Defense Attorney – A lawyer skilled in insurance fraud cases can help protect your rights and build a strong defense.

Both administrative and criminal proceedings may be pursued against you. If convicted, you could face severe financial penalties and even imprisonment.

What Are the Penalties for Insurance Fraud in New Jersey?

Penalties for insurance fraud in New Jersey can be severe, depending on the nature of the offense and the amount of money involved.

Administrative Penalties: The Department of Banking and Insurance may impose thousands of dollars in fines against individuals accused of fraud. They also publicly disclose judgments on their website, which could damage your reputation or business.

Criminal Penalties: If convicted, you could face up to 10 years in state prison, particularly if multiple fraudulent claims or false statements are involved.

Given these harsh penalties, securing qualified legal representation is critical to protect yourself.

Who Can Help You in an Insurance Fraud Case?

Facing an insurance fraud investigation requires legal counsel with deep experience in fraud cases.

Why Choose Our Firm?

• Former Prosecutors with fraud investigation experience– We understand the strategies used by investigators and prosecutors.
• Expertise in the gathering of incriminating documents, questioning witnesses, and evidence analysis– Our team knows how to challenge the evidence against you.
• Proven track record in fraud defense cases– We have obtained excellent results both as prosecutors and defense attorneys in fraud related matters.

Remember, the most damaging evidence in any fraud case is often a defendant’s own words. Before making any statements or responding to investigators, speak with a qualified attorney who can guide you through the process and protect your rights.

Contact Us Today for a Consultation

If you have been contacted regarding insurance fraud in New Jersey, don’t wait—secure legal representation immediately. Contact our firm to schedule a confidential consultation with an experienced fraud defense attorney.