Class H Felon for insurance fraud includes which action?

• A. Making a false insurance claim or presenting false proof in support of a claim
• B. Filing a truthful claim with accurate documents
• C. Falling behind on premium payments
• D. Providing incorrect contact information to the insurer

Answer: (A)

Intentional deception to obtain benefits from an insurer is the essence of insurance fraud. Making a false insurance claim or presenting false proof in support of a claim fits that definition precisely, which is why it is charged as a Class H felony in insurance fraud. Submitting a truthful claim with accurate documents is not deceptive and does not involve fraud. Falling behind on premium payments is a breach of contract, not fraud. Providing incorrect contact information might cause complications, but it does not by itself constitute submitting a fraudulent claim to obtain benefits. So the action described—making a false claim or presenting false proof—is the one that clearly constitutes insurance fraud.