Minnesota Fraud Reporting

Definition of “Insurance Fraud”

Minn. Stat. § 60A.951, Subd. 4, provides the definition of “Insurance fraud”:

Subd. 4. Insurance fraud. -- "Insurance fraud" occurs when a person presents or causes to be presented to any insurer, or prepares with knowledge or belief that it will be so presented, a written or oral statement, including a computer-generated document, an electronic claim filing, or other electronic transmission, that contains materially false or misleading information, or a material and misleading omission, concerning:

(1) an application for the issuance of an insurance policy;

(2) the rating of an insurance policy;

(3) a claim for payment, reimbursement, or benefits payable under an insurance policy to an insured, a beneficiary, or a third party;

(4) premiums on an insurance policy; or

(5) payments made in accordance with the terms of an insurance policy.

Mandatory Fraud Reporting Statute(s)

Minn. Stat. § 60A.952, DISCLOSURE OF INFORMATION: Subdivision 1. Request. -- After receiving a written request from an authorized person stating that the authorized person has reason to believe that a crime or civil fraud has been committed in connection with an insurance claim, insurance transaction, payment, or application, an insurer must release to the authorized person all relevant information in the insurer's possession.

Subd. 2. Notice to and cooperation with the Division of Insurance Fraud Prevention. -- Any insurer or insurance professional that has reasonable belief that an act of insurance fraud will be, is being, or has been committed, shall furnish and disclose all relevant information to the Division of Insurance Fraud Prevention or to any authorized person and cooperate fully with any investigation conducted by the Division of Insurance Fraud Prevention. Any person that has a reasonable belief that an act of insurance fraud will be, is being, or has been committed, or any person who collects, reviews, or analyzes information concerning insurance fraud may furnish and disclose any information in its possession concerning the act to the Division of Insurance Fraud Prevention, any authorized person, or to an authorized representative of an insurer that requests the information for the purpose of detecting, prosecuting, or preventing insurance fraud. The insurer may also release relevant information to any person authorized to receive the information under section 72A.502, subdivision 2. If disclosure is made to an authorized person other than the Division of Insurance Fraud Prevention, a copy of the disclosure must be sent to the Division of Insurance Fraud Prevention.

How to Report Fraud

1-888-FRAUD MN 1-888-372-8366
Minnesota Fraud Bureau
Use MN online fraud report form