Maryland Fraud Reporting

Definition of “Insurance Fraud”

Md. Insurance Code § 27-801(c), provides the definition of “Insurance fraud”:

(c) Insurance fraud. -- "Insurance fraud" means:

(1) a violation of Subtitle 4 of this title;

(2) theft, as set out in §§ 7-101 through 7-104 of the Criminal Law Article:
(i) from a person regulated under this article; or
(ii) by a person regulated under this article or an officer, director, agent, or employee of a person regulated under this article; or

(3) any other fraudulent activity that is committed by or against a person regulated under this article and is a violation of:
(i) Title 1, Subtitle 3 of the Agriculture Article;
(ii) Title 19, Subtitle 2 or Subtitle 3 of the Business Regulation Article;
(iii) Title 14, Subtitle 29, § 11-810 or § 14-1317 of the Commercial Law Article;
(iv) the Criminal Law Article other than Title 8, Subtitle 2, Part II or § 10-614;
(v) Title 12, Subtitle 9 of the Financial Institutions Article;
(vi) § 14-127 of the Real Property Article;
(vii) § 6-301 of the Alcoholic Beverages Article;
(viii) § 109 of the Code of Public Local Laws of Caroline County;
(ix) § 4-103 of the Code of Public Local Laws of Carroll County; or
(x) § 8A-1 of the Code of Public Local Laws of Talbot County.

Mandatory Fraud Reporting Statute(s)

Md. Insurance Code § 27-802. Reporting suspected insurance fraud

(a) In general. --

(1) An authorized insurer, its employees, fund producers, insurance producers, a viatical settlement provider, or a viatical settlement broker who in good faith has cause to believe that insurance fraud has been or is being committed shall report the suspected insurance fraud in writing to the Commissioner, the Fraud Division, or the appropriate federal, State, or local law enforcement authorities.
(2) An independent insurance producer shall meet the reporting requirement of this subsection by reporting the suspected insurance fraud in writing to the Fraud Division.
(3) A registered premium finance company shall meet the requirement of this subsection by reporting suspected insurance fraud in writing to the Fraud Division.

. . .

How to Report Fraud

Go to Maryland Insurance Administration webpage at http://www.mdinsurance.state.md.us/Insurer/Pages/default.aspx, click on “Insurance Fraud”, and the “Fraud Referral Form”

The Fraud Referral Form is, according to the webpage, “used to refer cases of suspected fraud to the Maryland Insurance Administration for investigation. Print and submit the attached referral form. Email the form to fraud_referrals.mia@maryland.gov, fax it to 410-347-5350, or mail it to the Maryland Insurance Administration, Insurance Fraud Division, 200 St. Paul Place, Suite 2700, Baltimore, MD 21202.