Maintaining insurance is an important way to mitigate risk, whether speaking of life insurance, health insurance, home insurance, etc. And while an insurance policy can serve as a lifeboat in the event of an emergency or unforeseen event, insurance fraud is a serious problem that’s costly for taxpayers and highly illegal. If you have been charged with insurance fraud in Massachusetts, you need a criminal defense attorney—and fast. Call The Law Office of Paul R. Moraski today to learn more about your legal options.
Types of Insurance Fraud
There are multiple types of insurance fraud, all of which are illegal and can carry severe penalties should a defendant be convicted. Some of the most common types of insurance fraud include:
- Health insurance fraud. A person commits health insurance fraud when they file a false health insurance claim in order to gain some sort of financial benefit. For example, they may change a medical record or file inaccurate claims paperwork intentionally.
- Homeowners’ insurance fraud. When a home is damaged, homeowners’ insurance may cover the cost of repairs. A person may try to seek financial gain by intentionally causing harm to their home—such as starting a fire. Or, they may misrepresent the extent of damage and the cost of repairs.
- Life insurance fraud. When an individual who maintains a life insurance policy intentionally deceives the insurance company in a way that beneficially impacts their payout or premiums, they are committing life insurance fraud. An example of this might be providing false information on an application or even going so far as to fake a death to reap a financial benefit.
- Car insurance fraud. An obvious example of car insurance fraud is staging an accident/intentionally harming a vehicle in order to get a payout.
What to Know When Defending Against Insurance Fraud Charges
When facing charges of insurance fraud, there are a few things to know. First, it’s important to know that the duty is on the prosecution to prove the defendant’s guilt beyond a reasonable doubt. Second, know that there are special rules of evidence in insurance fraud cases, which can make successfully prosecuting these cases challenging. Nonetheless, you can be sure that the insurance company will have a team of lawyers on their side, which is one of the top reasons why it’s so important that you, too, are armed with legal representation.
Call The Law Office of Paul R. Moraski Today
If you are facing charges of insurance fraud, you may face jail or prison time, fines and fees, and a black mark on your criminal record if convicted. One of the best ways that you can improve your chances of an outcome in your favor is to work with a skilled Massachusetts criminal defense attorney. At The Law Office of Paul R. Moraski, we are here for you. Call our experienced legal counsel today at (978) 397-0011 or request a consultation online.