Gather evidence such as policy details, claim documents, photos, emails, messages, and dates
Write down a clear summary of the suspected fraud
Contact the insurance company’s fraud department
Report the fraud to the insurer’s claims department if no fraud unit is available
Use the insurer’s online fraud reporting form if provided
Call the insurer’s customer service line and ask for the fraud reporting process
Report to your state or national insurance fraud bureau
File a complaint with your state insurance department or regulator
Contact law enforcement if the fraud involves theft, forgery, or other crimes
Submit an anonymous tip if the reporting system allows it
Keep copies of everything you submit
Follow up on the report if you receive a reference number or case number