Insurance Fraud Defense: Your Shield in Times of Uncertainty

Are you aware of the lurking perils in the realm of insurance claims? Insurance fraud, a deceptive practice endangering the insurance trust, demands our attention. In simpler terms, insurance fraud happens when individuals or entities falsely claim damages or losses to reap undeserved benefits from their policies

In Indiana, the need for a dependable insurance fraud defense attorney cannot be overstated. They act as a guardian shield against the legal complexities surrounding this risky predicament.

Quick Summary:

  • Indiana Code Title 35 Section 43-5-4 defines insurance fraud as intentionally providing false information in insurance claims to deceive the company.
  • Elements of insurance fraud include intentional deception, false information related to an application or claim, and an impact on the outcome.
  • Types of insurance fraud in Indiana include auto insurance fraud, health insurance fraud, workers’ compensation fraud, homeowners insurance fraud, life insurance fraud, and insurance claim denials.
  • The insurance agency follows a protocol involving initial reports, evidence collection, suspect identification, interviews, building the case, prosecutorial review, and criminal charges.
  • Indiana has a six-year statute of limitations for fraud cases.
  • Common evidence includes policy documents, surveillance footage, witness statements, financial records, expert testimonies, communication records, and sting operations.
  • Consequences of insurance fraud charges range from fines to imprisonment, with potential repercussions like rejected applications, policy cancellations, and claim denials.
  • Potential defenses may include no knowledge of falsity, no intent to deceive, entrapment, duress, mistaken identity, or withdrawal from the conspiracy.

What is an Insurance Fraud?

Indiana’s insurance laws are primarily outlined in Indiana Code Title 27 and Indiana Administrative Code Title 760. However, Indiana Code Title 35 Section 43-5-4 is the primary reference for insurance fraud. 

This section defines insurance fraud as intentionally providing false or deceptive information in an insurance claim, whether it is submitted verbally or in writing, with the intent to deceive the insurance company.

What are the Elements of an Insurance Fraud?

In any criminal case, essential factors must be convincingly established to determine a person’s guilt in the offense. While some specific types of insurance fraud may have varying requirements from one state to another, the fundamental components typically encompass:

  • The defendant intentionally provided deceptive or untrue information with the intent to mislead.
  • The deceptive information was related to an application, claim, or payment.
  • The deceptive information influenced the outcome of the application or claim.

What are the Different Types of Insurance Fraud Cases in Indiana?

Insurance fraud cases include:

Auto Insurance Fraud

Auto insurance fraud in Indiana often involves staged accidents, exaggerated injuries, or false claims of vehicle damage. 

Health Insurance Fraud

Health insurance fraud encompasses a wide range of deceitful practices, such as submitting fake medical bills, overbilling for services, or misrepresenting medical conditions. 

Workers’ Compensation Insurance Fraud

Regarding workers’ compensation, fraud may involve faking injuries, malingering, or misreporting the cause of an injury to obtain undeserved benefits. 

Homeowners Insurance Fraud

Homeowners insurance fraud may involve inflating the value of property damage claims or deliberately causing damage to claim insurance money.

Life Insurance Fraud

Life insurance fraud includes actions like concealing medical conditions, providing false information, or attempting to claim benefits on behalf of a deceased individual who did not have a valid policy. 

Insurance Companies Denying Claims

While policyholders sometimes commit fraud, insurance companies may deny legitimate claims unfairly. When insurers wrongfully deny claims, policyholders can face financial hardships. 

How Will the Insurance Agency Know I Committed Fraud?

When devising a defense against allegations of insurance fraud, the insurance company may employ a strategy that resembles the following protocol:

Initial Report

The investigation begins when a victim or someone with knowledge of the alleged fraud contacts law enforcement. Details from this initial report form the starting point for the inquiry.

Evidence Collection

Investigators work on gathering evidence, which involves interviewing witnesses, conducting forensic analyses, reviewing bank records, examining digital data, and taking any necessary steps to establish the elements of the fraud and identify potential wrongdoers.

Suspect Identification

Detectives aim to pinpoint potential fraud suspects using the evidence they have collected. That may entail scrutinizing financial transactions, tracing funds, and connecting specific individuals to fraudulent activities.

Interviews and Statements

Investigators conduct interviews with witnesses, suspects, and anyone with pertinent information. These interviews help gather additional evidence, clarify details, and obtain statements that can be used as proof in the case.

Building the Case

As the investigation progresses, the team compiles information, documents its findings, and constructs a robust case against the suspects. That involves organizing evidence to demonstrate the accused’s criminal intent and to support various aspects of the fraud.

Prosecutorial Review

After completing the investigation, the case typically undergoes evaluation by the district attorney’s office or an appropriate authority. They assess the quality of the evidence, the likelihood of a conviction, and the overall benefits of pursuing charges.

Criminal Charges

If prosecuting authorities determine there is sufficient evidence, they have the authority to file charges against the fraud suspects. That initiates the formal legal process and sets the stage for a court proceeding.

What is Indiana’s Statute of Limitations for Insurance Fraud Cases?

Statutes of limitations are rules that restrict prosecutors from initiating criminal cases after a certain number of years have passed. These limitations vary from state to state and encompass both civil actions and criminal offenses. 

In Indiana, fraud cases must be brought within a timeframe of six years from the occurrence of the alleged fraudulent activity.

What Evidence Will Be Used to Prove an Insurance Fraud?

Investigators and prosecutors typically rely on various types of evidence to establish instances of insurance fraud. The specific evidence presented can vary depending on the nature of the alleged fraud and the relevant legal provisions. However, the following are common types of evidence that can be employed:

Policy Documents

Insurance policy documents are a foundational piece of evidence in insurance fraud cases. They provide critical information about the policy’s terms, coverage, and conditions. Discrepancies between the information provided in the policy documents and the claims made can raise suspicions of fraud.

Surveillance Footage

Surveillance footage can be a potent tool in insurance fraud investigations, especially in cases involving accidents or injuries. Video evidence can reveal inconsistencies between the reported incident and the actual events, such as staged accidents or false injuries.

Witness Statements

Statements from witnesses present at the time of an incident are valuable evidence. Their accounts can corroborate or dispute the details of a claim, shedding light on the accuracy of the reported events.

Financial Records

Financial records, including bank statements, tax returns, and income documentation, can be used to assess the financial motive behind insurance fraud. Discrepancies between a person’s financial situation and their claims can suggest fraudulent intent.

Expert Testimonies

Expert witnesses, such as medical professionals, accident reconstruction specialists, or forensic accountants, can provide testimony to support or challenge the validity of a claim. Their expertise helps assess the accuracy of the reported losses or injuries.

Communication Records

Records of communication, including emails, text messages, phone call logs, and social media posts, can provide insight into the planning and execution of insurance fraud schemes. Suspicious or incriminating messages can be compelling evidence.

Sting Operations

Law enforcement or insurance investigators may conduct sting operations to catch individuals engaged in insurance fraud. These operations often involve undercover agents who gather evidence of fraudulent activities.

What are the Possible Consequences of an Insurance Fraud Charge?

In Indiana, providing false information on an insurance application is considered a Class A misdemeanor, which carries a potential sentence of up to one year in prison and fines that may reach $5,000

A first-time conviction for insurance fraud is categorized as a Level 6 felony, resulting in a prison term ranging from six months to 2.5 years, accompanied by fines of up to $10,000. For individuals with previous convictions related to insurance fraud, the offense is elevated to a Level 5 felony

Penalties for a Level 5 felony include a prison sentence spanning from one to six years, with potential fines of up to $10,000. Level 5 felony consequences also apply when insurance fraud leads to the acquisition of property or services valued at $2,500 or more or when it results in economic losses of $2,500 or greater to another party.

What are the Other Possible Consequences of Insurance Fraud Charges in Indiana?

Below are the potential other consequences of insurance fraud charges in Indiana:

Insurance Application Rejection

Insurers may reject insurance applications when an individual or entity is suspected of insurance fraud. This rejection can make it difficult for the individual to obtain coverage for various types of insurance, such as auto, health, or homeowners insurance. Rejected applications can lead to a lack of essential insurance protection and increased financial risk.

Insurance Policy Cancellation

Insurance companies take insurance fraud seriously. If someone is found guilty of insurance fraud or is suspected of making fraudulent claims, the insurance company may cancel their existing policies. That can leave the policyholder without coverage, potentially exposing them to significant financial liabilities in the event of an accident or loss.

Insurance Claim Denial

Individuals or entities involved in insurance fraud may face the denial of their insurance claims. Even legitimate claims can be rejected if there is suspicion of fraudulent activity. That can result in policyholders not receiving the financial support they need during times of crisis or loss.


In addition to the immediate consequences of insurance fraud, those found guilty may be required to pay restitution. Restitution involves reimbursing the insurance company for fraudulent claims or benefits obtained through deceitful means. These payments can be substantial, which may lead to financial strain for the convicted party.

What are the Potential Defenses for an Insurance Defense Charge?

The best legal defense for your unique situation will depend on the facts of your case. Common defenses for insurance fraud cases include:

No Knowledge of Falsity

A strong defense against insurance fraud charges is the claim that the accused did not know of the falsity of the information provided. If the defendant genuinely believed the information they submitted was accurate and truthful, it can undermine the prosecution’s argument of fraudulent intent.

No Intent to Deceive or Defraud

Intent plays a crucial role in insurance fraud cases. An example of a viable defense is if the accused can demonstrate that they had no intent to deceive or defraud the insurance company. If a mistake or misunderstanding leads to inaccurate information, it may not constitute fraud.


Entrapment occurs when law enforcement officers induce or persuade an individual to commit a crime they would not have otherwise committed. If the accused can show that they were entrapped into engaging in fraudulent activity, it can be a valid defense against the charges.


Duress involves being coerced or threatened into committing an illegal act. If the accused can establish they engaged in insurance fraud under duress, it can be a defense against criminal liability. However, it is essential to provide evidence of the threat or coercion.

Mistaken Identity

In some cases, individuals may be mistakenly identified as perpetrators of insurance fraud. A mistaken identity defense involves providing evidence that the accused was not the person responsible for the fraudulent activities in question.

Withdrawal From Conspiracy

If the accused was involved in a fraudulent scheme but can demonstrate that they withdrew from the conspiracy before any criminal act occurred, this may serve as a defense. However, withdrawal must be voluntary and genuine, and it often requires the accused to report the fraudulent activity to the authorities.

Why Do I Need an Insurance Fraud Defense Attorney in Indiana?

If you find yourself entangled in an insurance fraud case in Indiana, the importance of having our trusted Elkhart IN insurance fraud defense attorney by your side cannot be overstated. Here’s why:

  • Insurance fraud cases often involve intricate legal processes, rules, and regulations that can be challenging to navigate without proper guidance. Our legal team understands the nuances of these laws and can help you make sense of the complexities.
  • We are your safeguard against any violations of your legal rights. We ensure you are treated fairly throughout the legal proceedings, protecting you from potential abuses or unjust practices.
  • Insurance fraud cases vary widely, and what works in one case may not work in another. Our skilled lawyer can tailor a defense strategy to your unique circumstances, maximizing your chances of a favorable outcome.
  • We have the legal experience to assess the evidence against you critically. We can identify weaknesses in the prosecution’s case, challenge the validity of evidence, and work to exclude prejudicial information.
  • Our litigators can negotiate with prosecutors to reach a plea agreement that minimizes the severity of charges or penalties. That negotiation can be crucial in achieving a more favorable outcome.
  • If your case goes to trial, having our dedicated team with courtroom experience is invaluable. We can present your case effectively, cross-examine witnesses, and argue legal points to the judge and jury.
  • Laws related to insurance fraud can change and vary by jurisdiction. Our dedicated attorney stays updated on the latest legal developments, ensuring your defense is based on current laws and precedents.
  • Facing insurance fraud charges can be emotionally taxing. We can provide legal guidance and emotional support during a challenging time in your life.

Comprehensive Defense for Insurance Fraud Cases in Indiana

In Indiana’s complex and often daunting landscape of insurance fraud defense, you need our trusted Elkhart IN insurance fraud defense attorney who can provide the legal support necessary to protect your rights and navigate the legal process effectively. We are committed to being that partner for you here at Wilson & Kinsmann LLC.

With a team of knowledgeable attorneys who understand the intricacies of insurance fraud cases, we have a proven track record of helping individuals facing such charges in Indiana. Our dedication to safeguarding your rights, scrutinizing the evidence against you, and building a solid defense strategy sets us apart. 

Contact us today and take the first step toward a comprehensive defense that aims for the best possible outcome in your case. Our law firm can also represent you in aggravated assault, domestic battery, domestic violence, and drug crimes. Your future and your rights are worth protecting, and we are here to help you every step of the way.

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